Posted 15 September 2013 - 05:32 PM
First of all, welcome to BC !
This sounds like what you are looking for is something similar to 'extended warranties' as sold by most leading suppliers of everything from toasters up, and are generally considered not to be good value for money !
Generally speaking, computers are fairly reliable pieces of equipment and in the event of total disaster such as your wife's laptop falling onto the tiled kitchen floor your household insurance will normally cover this.
Essentially, it is in your own hands. The downside of owning a computer is that you become the System Administrator. Good practice will avoid an awful lot of potential problems : Good anti-virus software kept up to date - there is a number of good free ones out there; anti-malware software kept up to date and run a quick scan once a week - you can get both Malwarebytes and Super-Antispyware from BC's download section; Use a bit of judgement before you click on links on web-sites and definitely in e-mails.
Perhaps most important of all, back up your data from time to time. This is the stuff you can't replace readily - work, photos, music, videos etc.. You can re-install operating systems and applications, you can even replace computers, but without repeating all your sweat, you can't re-install your work unless it's backed up. How you back it up doesn't matter - DVDs, upto 4.3 Gb; Memory sticks, upto 32/64 Gb; External hard drive - upto 1 Tb+. What you use depends on how much data you have.
Hardware problems in desktops are generally fairly easy to fix, laptops between a bit and a lot harder - but you have already found one of the best places around for problem solving.
And if you do come up with a problem that you can't resolve, try a local repair shop. They are usually quicker and cheaper than the big chains.