I made the mistake of buying into this Choice Home Warranty. They don't mind taking your money but if your furnace goes out or your water heater leaks you are out if luck. I bought their top of the line plan. All they did was give me lip service. They did take care of my air conditioner. It was a $250 part but I still had to pay the service guy $75 for coming out. These guys have lawyers that know the system very well. In the end you will get screwed. Why do you think their ratings are so bad? I paid $2100 for this plan and you see what I got on return.