Hi, I would like some advise as I am going to be getting a Sammy 46" DLP in the new year. I have a home insurance policy with a well known company that a lot of people buy their food shopping from. The policy covers "accidental damage" to house hold equipment (valued at a cost that would easily replace my av stuff) and was wondering if it is worth taking out an extended warranty on the set because some of these policies aren't worth the paper they are written on? What does everyone think the policy as just says accidental damage so surely anything that happens to the set is not going to deliberate? Has anyone has any experience on this as I don't want to pay for something I don't need.