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00 for him just to troubleshoot our problem before recommending a solution. Since this seemed really excessive, I decided to check out this insurance to see if it would benefit us and our budget limitations, but what I found was discouraging. I have always felt since you're purchasing insurance to cover a certain kind of issue and paying a premium to do so, then why is it necessary to pay additional amounts for the service you have the insurance for?It's just like having dental insurance that you pay a $500. 00 or more deductible, then sometimes hundreds of dollars in monthly premiums, only to have to further pay $600 to $1000 or more to get dentures. Ridiculous!If you had that kind of money, you wouldn't need insurance in the first place!What is the point?So, I guess we'll just have to keep taking care of our household issues on an individual basis and keep trying to find the best price for our budget, because this insurance, just like every other kind I know of, seems to be one gigantic scam. As a former HVAC contractor for several home warranty companies, I concur with the other service companies' negative remarks regarding these policies.

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When your system or appliance breaks down, you could spend hundreds or thousands to repair or replace it, potentially causing a serious financial setback.

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Find another company and make sure whoever you go with they guarantee that they have plenty of service providers in your area.

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And while we haven't had any major claims over the last few years, having a home warranty has given us a peace of mind more than a value in dollars.

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Seems they didn’t want to risk a judgment against them.