So we have DirecTV and we recently cancelled the plan we are on now under my husband's name (contract ended) and signed up again in my name with a lower price. Guy came and installed us new receivers (boxes), remotes and a new dish I think. Worked great until lighting struck it all the other day and it went bad. Good thing was it was still under the warranty. Another tech came in and fixed it, did what ever he did to get it going and such. But they ask me the other day on the phone if I wanted to take out the "insurance" on it in case this was to happen again. Now we have had satellite TV service for ever, never cable. This might have happened just one other time in twenty years but I can't remember how it was handled then. So, with the "insurance" being like $8 a month, should I get it? Or is this their responsibility to fix this equipment regardless? Scam or good idea to get it?