Select Home Warranty review: Absolutely absymal service

Absolutely abysmal service! First, BEFORE I bought the policy everyone I spoke to was American. Now that I had to file a claim: only foreigners, whose English several times I could barely understand. On one call, I asked the person to transfer me to another agent because I could barely hear her, and when I could, I had to ask her NUMEROUS times to repeat what she had said because I couldn't understand her. Her response: "I can hear you fine."
Second, the problem I was having was with sewer gas leaking in my house. The plumber they sent to evaluate the problem told them that the problem was that I did not have a trap in my basement floor drain. The one reason they denied the claim was that the warranty does not cover previous work that was done improperly. I told them that the work was done properly for the time that the house was built (1900); a trap was not required back then. They refused to discuss it further.
Then they said my plan only covers indoor plumbing. The floor drain where the problem is is embedded in my basement cement floor — so much so that part of what the plumber said would have to be done is digging up the cement floor around the pipe. I said that if a pipe embedded in a wall of my house sprung a leak, wouldn't they have to cover the cost of opening the wall to get at the pipe? Again, no further discussion allowed.
Finally, I said I wanted a refund on the remaining part of my contract. Directly from the contract summary: "Can Opt Out for a Prorated Refund." As you can see, no mention of them informing me now that there is a $75 early termination fee.
I know that somehow they have received good reviews, but even the plumber told me that they are absolutely the worst at denying claims. The financial advisor, Dave Ramsey, says to not get car/home warranties, because these companies make their money by denying claims: I should have listened. Hope you will be wiser than I was.