We have been with Choice Home Warantee for 2 years. We've had to have our HVAC system repaired twice during that time. Choice did comply with the repairs in the past, however when our heat went out again (temps in the 20's), the repairman deemed the 20+ year old unit condemned, and informed choice we'd need a new unit. The repair man was asked to send photographs, and based on those pictures alone, they denied the claim stating "lack of maintenance". An HVAC sysytem does not survive 20+ years if it's neglected, it's simply too old and beyond repair. I've asked for Choice to put their denial in writing, with no response. Now I'm forced to purchase a new unit. Sadly, I found out through this process that Choice has a poor rating with the BBB and has had the most complaints of any home warranty program. I will be pursing restitution through legal channels.