A lot of people rag on the extended warranties from places like Best Buy, but they are perfect for things like this. I spent roughly $200 on a pair of Bose earbuds almost a decade ago. They are in my pocket everyday and they therefore take a beating. Their general lifespan for me is 12-18 months. Sometimes the buttons start sticking. Sometimes the wire starts to fray. Sometimes one ear randomly dies. Sometimes I forget them in my pocket and they go through the washing machine. Whatever the problem, I take them to Best Buy and get a free replacement and re-up the extended warranty for $20. I am probably on my 6th or 7th pair at this point.

Lots of credit cards automatically add accidental damage warranty to purchases.

Typically for 90 days, which if I'm spending $160 on earbuds had better be a tiny fraction of their lifespan.

Obviously it's better to have 90 days of accidental damage protection than to have none, but my wired earbuds are a couple of years old and would cost maybe $20 to replace with another decent pair.