I was on the phone with a CSR just a few minutes ago because I wanted to replace one of my TiVo's with a DVR (my TiVo constantly misses recordings and freezes up). The TiVo is now a backup DVR that I take with me when I travel. Since I have the protection plan she said it is covered. I asked her if it would be covered anyway without the protection plan and she said no (I was thinking of dropping it since I have never used it). I could have sworn the protection plan is not needed for receiver or DVR replacement.