Both instances would be direct results of your negligence, and in both instances you'd normally be responsible for the cost of repairs or replacement of property damaged. (effectivecoverage.com)
With the standard one - year limited warranty, you will be covered for repair or replacement of parts deemed defective. (laptopmag.com)
This insurance protects you, the seller, from paying repair or replacement costs of major items during the listing period. (c21beggins.com)