Which type of insurance policy covers repairs following an electrical defect in a television?

An extended warranty insurance policy is specifically designed to cover repairs and replacements for items due to defects or breakdowns that occur after the standard warranty period has expired. In the context of the question, if a television experiences an electrical defect, an extended warranty would address the cost of repairs associated with that defect, providing financial protection for the owner.

This type of policy typically covers repair costs for mechanical and electrical failures that are not due to user error or neglect, making it particularly relevant for electronics like televisions. By utilizing an extended warranty, the consumer ensures that they have assistance with expenses related to unforeseen issues with their device, which aligns with the scenario presented in the question.

In contrast, other types of policies mentioned are not suitable for this situation. A commercial all risks insurance policy generally covers businesses for a wide range of property and liability risks but is not typically used for personal electronics. A personal all risks insurance policy might offer broader coverage for personal property, but it may not specifically focus on the electrical failures of items like a television. Products liability insurance is geared towards protecting manufacturers and sellers against claims for damages caused by defective products; it does not cover the repair costs that a consumer would incur from defects.