I have several warranties through Sears and I have always been pleased with their service. It sounds like a few people had some bad experiences...that's not because of the warranty, but poor local customer service.
In general though, I recommend Sears' agreements because when my camera broke, I got a brand new updated model with no issues. Same happened with my tv. :) I think it's funny when people complain about things and aren't even aware of what the problem actually is.
Opinion forums are OPINIONS...and my opinion on the matter is--15 complaints out of...how many does Sears sell? That's not bad at all!
Monetary Loss: $1000.