Sorry to drag out a long-dead thread, but I'm wondering how you fared with the Monster policy. I ask because I just had a direct strike to my house a couple of days ago, and lost my TiVo, TV, vcr, dvd player, a/v receiver, etc. It was all plugged in to APC equipment, and they have a similar warranty to the Monster one. I guess I'm just trying to see if these types of warranties are for real.