What extended coverage should include for the most expensive failures on a humanoid.
Joint actuators are the number-one cost driver in humanoid repair. A single high-torque knee or hip actuator — part plus the labor to replace and recalibrate it — can run into the thousands, and bipeds carry a dozen or more of them.
Good actuator coverage includes: the actuator itself, adjacent damaged components (a seized joint often takes out encoders and wiring), labor, and post-repair calibration. Calibration is the line item cheap plans skip — and an uncalibrated joint is a broken robot.
Watch the exclusions: 'wear and tear' clauses can void the most common claims, since actuators wear. The plans worth buying define wear coverage explicitly instead of excluding it.
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Yes — a high-torque joint actuator plus replacement labor and recalibration is typically the single largest repair bill on a humanoid, and bipeds carry a dozen or more actuators.