You’ve chosen your computer, you’re checking out, and, whether you’re in line at a store or online at a Web site, now comes the inevitable question: Would you like an extended warranty with that?

For most types of computers, we think you can safely say no, thanks.

Extended coverage might come from the manufacturer, which provides additional time to repair defects and may also include services such as more comprehensive technical support, “rapid” response, and on-site repair visits. Your retailer might also sell its own version of extended coverage when you buy your system.

When it comes to repairs, Consumer Reports has found that an extended warranty typically costs about the same as the average repair, meaning you’re better off paying to fix your system when and if it breaks instead of buying a warranty you may never use. You may already have extra coverage from a credit card, which generally adds a year to the original warranty.

As to that added technical support, a recent Consumer Reports survey found that people received such support more efficiently on an as-needed basis from independent third-party providers, such as the local computer repair shop.

CR’s take. While the majority of computer buyers can ignore the extra-coverage sales pitch, there are a few exceptions. We recommend an Apple extended warranty if you’re buying one of the company’s desktops or laptops. In part that’s because Apple computers come with only 90 days of tech support. The extended warranty provides additional access to Apple’s tech support, which has been highly rated by Consumer Reports readers. We would also recommend considering extra coverage for refurbished computers of any brand with less than a one-year warranty.

Note that extended warranties typically don’t cover drops, coffee spills, and the like. If that’s a concern, you may want to consider accidental damage protection. Unfortunately, you usually must buy an extended warranty first. For theft and fire damage, your homeowners insurance should apply, but ask your agent to make sure.