Which WARRANTY plan is best for LAPTOP ?

Hi guys,i am gone buy DELL laptop by this week and Dell is already giving 1 Year Accidental Damage Services with Premium Phone Support
I just want to know which warranty plan i have to choose ?

1) 2 Year Accidental Damage Services with Premium Phone Support (For Rs.4700/-)
2) 3 Year Accidental Damage Services with Premium Phone Support (For Rs.8980/-) (I am thinking for this one,is it necessary ?)
3) 3 Year In-Home Service with Premium Phone Support and 1 Year Accidental Damage Services (For Rs.6,999/-)

Please guys GIVE your suggestions !