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" My blower motor did NOT break down due to a pre existing condition. It has worked perfectly for over 5 months since the day we moved in, evidenced by its performance in both heating and cooling up until the day of breakdown. My entire HVAC system has not had any malfunctions whatsoever prior to the motor breakdown on 5/16/18. This was definitively an acute and sudden breakdown that falls under the contractual coverage of my home warranty. Finally, I got approval again after hours on hold to have the first company back, and they are only covering about 2/3 of the cost, based on a clause in the contract that applies to refrigerators, not HVAC. I'll be filing complaints with BBB and our state Attorney General's office for consumer affairs, and considering a small claims action to recover the cost they refused to pay. Avoid these guys. Their market is real estate agents, who use this to sell clients as protection for their new home. It isn't worth the paper it is written on. Do not allow a contract with them on the purchase of your new home find another company. I have tried to like this company because a friend of mine recommended it, but it is terrible.

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88 in my pocket of every dollar—$888 of every $1,000 that I would’ve spent on warranties and $12 in savings, and on average, I’m going to cover the breakdown that those warranties would’ve covered.

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There was another situation.

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As an FYI I looked on Consumer Affairs and Select has disputed and blocked every negative review on that siteOn 12/05/14, I contacted Select Home Warranty about an issue with my pool pump and they responded with the name and number of their vendor.

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You will need to understand what your coverage options are.