Some items automatically come with extended warranties while others do not.
Most of the computers I have purchased over the years extended the options to add a warranty on for an additional cost, while other devices like smartphones sometimes come with their own limited warranties free of cost.
It’s not until you get into other markets that you find better deals out the gate that aren’t charged as an additional feature to the consumer. I recently purchased an advanced reflector telescope to see deep sky objects like nebulae and galaxies. Because of its sheer cost, it came with a manufacturer warranty. Basically anything that went wrong outside of user damage was covered for five years. My family got to see some amazing visuals with that telescope within a week of owning it and learning how to use it. You have to collimate the lenses and mirrors on a Newtonian telescope, and it’s a process that takes time to learn. Luckily I don’t have to worry about calibrating my HVAC system because that’s what my heating and cooling supplier is for. I call them twice a year so they can send an HVAC technician to my house to service, clean, and calibrate my HVAC system. Sometimes the compressor needs more coolant or the dampers in the ductwork might need to be adjusted. Like my telescope, my HVAC system also came with a manufacturer warranty, but for 10 years instead of five. That means any problems within the HVAC system in a decade are paid for by the manufacturer. I just have to cover the labor costs, but that is easy if you purchase an annual HVAC maintenance plan.