Usually, no—an extended third-party warranty is often not the best value for a lens.

If the lens has a manufacturing defect or is a “lemon,” 90 days is generally enough time to discover it by shooting regularly and checking sharpness, autofocus, and general operation. Once a lens proves it’s working properly, it will usually continue to do so if it’s cared for well.

Also, many extended warranties mainly cover workmanship issues, not the things lens owners actually worry about most: drops, impact damage, sand, water, theft, or other accidents. Those are commonly excluded.

For that reason, insurance is often more useful than a warranty—especially for an expensive lens. Depending on where you live and whether you use the gear professionally, options may include a personal articles policy or a rider/add-on to homeowners or renters insurance. If you use the lens for paid work, proper equipment insurance is even more important.

So: test the lens thoroughly during the 90-day period, skip the warranty unless its coverage is unusually strong, and look into insurance if you want protection against loss or damage.