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An extended warranty - total care packages can be a wise investment. 
We use our digital equipment at least five to ten times more than film. Before we had a roll of 36 film and we were careful what we took images of. Now we have an instant review and delete then we take the image again. Each time you zoom, fire the shutter, review or delete that is wear on your equipment, up to ten times more.
 
Most extended warranty companies will cover the equipment for the same failures as the Manufacture. If the unit is found to have impact, sand or water damaged the warranty is void.