toodledee,
Have you TRIED contacting HP about your laptop? You say you know the warranty won't cover it, but have you tried? I would think that an estimated $100 to $200 minimum costs here would be worth at least trying. I personally would check there first.
As far as what G0AOZ said about the home-owner's insurance, I wouldn't totally count it out. Again, you won't know until you ask. Sometimes, with insurance and warranties, things are covered when you least expect, and sadly sometimes things aren't covered when you'd think they are.
All I'm saying is it wouldn't hurt to try.
Also, consider this - if you test your laptop as already metnioned, and find it'll run fine on an external monitor, AND you don't want to mess with replacing the screen, you could likely sell it on eBay or elsewhere as "damaged", and someone else might pay a couple hundred dollars for it, even damaged... then you could take that and put towards a replacement.
Just many options to consider. Of course, if it'll work with an external monitor, you CAN just use it basically as a desktop. I mean, it'd kinda defeat the purpose of a laptop, but it'd be the cheapest option, assuming no warranty/insurance coverage.
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