Your gadgets probably came with some kind of manufacturer warranty or guarantee for its first year. Things like defective keyboards, hard drive failures, and mechanical breakdown caused by faults in the product are usually covered by this warranty.
A warranty won’t cover you if you’re left with a cracked screen when you fall and step on your laptop. That’s because accidental damage is usually considered ‘negligence’ (you shouldn’t have left it on the floor), as opposed to a defect in the hardware or software of your device. However, if you’d had the smart sense to purchase the Accidental Damage to Mobile Devices add-on, you’d be sorted because that’s exactly the type of damage you’d be covered for.