Desoldering RAM chips can easily kill the board. No one insures that.

High risk, and no, insurance isn’t a thing for this.

Desoldering RAM chips — especially modern ones with BGA (ball grid array) — is not like removing a through-hole capacitor. You’re dealing with delicate pads, tiny traces, and a multi-layer board that doesn’t handle heat evenly. One wrong temperature, one second too long, and you lift a pad or delaminate the PCB. That board is now e-waste.

As for insurance: no standard policy covers “I tried to desolder RAM and broke my motherboard.” Some electronics repair shops carry liability insurance for their work, but that’s for professionals doing paid jobs, not for individuals. Even then, it covers mistakes they make — not yours. No company insures a hobbyist against their own soldering mishap.

If you’re not confident, pay someone who does this daily. Cheaper than a new motherboard.