Check some other vendors. 90 day seems pretty short for a new piece of equipment. Tell the guy you are going to buy it online and see if he comes up with a better deal. Electronics are pretty stable and these so called insurance and extended warranty stuff is just $$$ in their pockets.

http://www.shopcartusa.com/compare.asp?showall=yes&cat=34&item=43860780#stores

Try the above link for some prices. There is a $100 diff between high and low vendors. Check your local library and see if they have "Consumer Reports" also. I don't know about this model, but another Fugi camera had 12 months on parts and labor. Check out the web and do some research before buying. The guy just wants to make a sale at any $$$ to YOU.

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