DIRECTV ASURION Misleading, full of loophose and unpublished rules Nationwide

If you buy the Asurion Insurance, beware it is usless.  My Netgear Nighthawk router was worth $250.00-300.00 they sent me $65.00 The insrance says will repair or replace with like model. Their idea of a like model is to take according to them the average price of a router $65.00. Told to me take it to abritration (a very long and useless process)  Also TV's got hit by lightening. One tv got the back blown out at the aerial connection - Asurion would not cover--- It was considered physical damage and they do not cover physical damage even it is due to lightening strike.  Front TV took almost a month to repair and on the web site they site the family has a hard time doing without tv for 3 days. they took almost 30.  Also beware if your tv is smaller than 40" you have to send it to them (not stated) also if it attached to a wall bracket they will not do it because they only send out one repair person. Your TV has to be bigger than 43" AND be on a table top stand for them to come to your house to repair. Beware if you large TV it on a wall bracket. The company is full of loop holes and unpublished rules. (try to find the free standing bracket in the small print.) Stay away from this insurance. Just get home owners it is fast and will pay. This is a rip off company praying on people.k Plus there is a $50.00 charge to use the insurance. So when I got $65.00 back from them they really only paid me $15.00!!!!