Directv was pushing their protection plan when they did the install at my new house. My parents don't have it and when they had had an HR20-700 fail they simply called Directv and they shipped out a new one since they are leased. So aside from the other things like free dish alignment why would you need this? One other thing. I have two receivers right now and they are charging me a $5 lease fee for each of them. Shouldn't the first one be exempt?