extended warranty

Hey all, I have ordered 2 phones via amazon (moto g4+ & mi5) and expecting them in a day or two. The site also give me an option to select OnsiteGo mobile insurance, either with a screen protection or spills & drop protection coverage for 1 year. But, with few negative reviews on the above...

My organization is paying me to buy a laptop but with a condition that it should have 04 years of warranty or AMC ( Annual Maintenance Contract ). Due to this a lot of money will go into the warranty and I am going to get a laptop of much lesser config. Some vendors have approached my...