Originally Posted by JARblue

Be careful on that $hit. I had to have one due to FHA loan. But it was useless. Deductible is different for different equipment (A/C for example was way higher than $100 - I think it was $1000 IIRC). Heater went out first winter and they couldn't schedule someone for over a week. Neighbor recommended a guy who fixed it for me that night. Next summer A/C went out and it was days of hassle dealing with them and their service guys. Called up my neighbor's guy again - he had the part on his truck and fixed in an hour. YMMV.