I am not sure if you are aware aware of this but automatically when you buy anything with an amex (branded by amex) you get 90 days damage warranty and return protection (you can return anything even if you use it). I have saved over $1000 this year from stuff just randomly breaking or lost (covered only by the platinum amex) . I would highly suggest that any serious purchase you have that you use an amex for . I would be careful of the exclusions however (for instance books are not covered) . Overall the money i saved with the amex cards has been way over the amount i actually pay with the yearly fees. Normally when you make the first few claims amex does not even asking you to return anything and just credits your account and it’s a very easy process.