Nope, I've just been in too many lawsuits. I don't go looking for them, they just find me. Two patent lawsuits + one nasty one against a cable company + two other small claims cases. Luckily, I have friends and family members who are lawyers so I can ask them questions like this without getting a $500 bill. I didn't know what "an Act of God" was either until I asked them. It's in a lot of the fine print that we all have to sign. I try to read and understand it as much as I can.
Basically, if you're the owner of something, you have ultimate responsibility for it. If you let your friend borrow something, and it happens to break while they're using it, you don't sue them. You just buy a new one and eat the cost. But If they misuse it and break it, then it's their fault. But if it gets stolen from their locked house, or their house burns down or gets flooded and your item is destroyed, whose insurance pays for your item? Yours does.
The OP's homeowner's insurance will NOT pay for the receiver since he didn't own it. That's why it's called homeowner's insurance. And since he didn't willfully damage it, D* most likely can't bill him for it. That's why it's D*'s policy to just cancel the contract and eat the cost of the equipment. D* and other companies have a lot of "policies" that are actually existing laws and rights that consumers have. It isn't like they can have a different "policy" (well, legally anyway). I know this unfortunately from my cable company lawsuit a long time ago.
Edited by bobcamp1, 19 June 2013 - 08:57 AM.