I took it only because of the weather we get around here. It's not unusual for there to be 40-60mph wind on a regular basis, with 70-80mph or more wind during storms. Given the height and proximity of my neighbor's trees, if something snaps off and knocks out the dish, I don't want to have to pay for the call/parts. I also lost several devices including my PS3 (which were plugged into surge protectors) when lightning struck the power pole behind my house a few months ago, so surge damage coverage on 2 H24 and 2 HR24 is nice too.