From looking at my first bill, one of my 2 SD receivers has the protection plan and the HD DVR does not. And reading from the forums here if anything goes wrong with my DVR I must pay $20 to have it replaced. Can I call in and have the DVR set as the primary receiver? this will be the most used in the house by far so I'd rather have it set to primary. Will this be possible? Plus in looking at my bill it is all jumbled with charges and credits for dvr and hd access fees that don't apply to certain receivers. So maybe that will straighten it out?