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Contract does nor start until the manufacture's warranty runs out. So you are not buying a 5 year warranty, but extending the warranty to five years. The contract states when repairing, they can use any part that meets the manufacturer's specifications. That means, refurbished or after market parts and not parts manufactured by the product's manufacturer. In addition and although not specifically worded in the contract this way, any costs of repairs will be deducted from your initial purchase price, which means if a second repair is needed and they cannot fix they will reimburse you by check or gift certificate the amount of your purchase price less their outlay cost of any previous repairs. Further, if additional repairs are needed, once the total costs added together equals your purchase price, their obligation is over. Coverage does not include burn in, which is when the screen develops an image and does not cover any burns in the pixels, which if this happens will leave a brow or dark spot on the screen. If they cannot fix it on the first call, they have the option to replace the product with any product by any other manufacturer that has the same features and not the product from the manufacturer you selected to buy from initially. Finally, if they replace the product, you are responsible for mailing the defective product back to where they tell you to at your cost.