A:Answer ADH stands for Accidental Damage from Handling.
The easiest way to have a basic understanding of coverage of these types of plan is to ask, "How does the manufacturer intend for this product to be used? Accidental damage that happens as a result to their intended use is typically covered (outside of specifics to specific products). Any sort of damage that happens as a result to use that is not intended by the manufacturer is likely not covered. Laptops aren't meant to be used in bathtubs or in the pool, so submersion isn't covered (at least since I last checked), however drinking around your laptop, a "portable" computer, is expected. This is why spills and drops are covered.
Just don't throw your electronics. That is never covered. Abuse, use outside of manufacturer's intent, or disassembly.
Common coverage-
Battery replacement
Cord/charger replacement
Pixel burn in (there are specifics to this)
Power Surge
No Lemon Policy
