My realtor recommended we take out insurance on the home we purchased. The home was 9 years old so we thought it was a good idea. NOT. First of all, they have so many exemptions it does not cover the important, most common and expensive stuff. I was denied coverage for a broken heater. The experience was bad. First, it took them over 3 days to send someone out to look at it when it was 40 degrees outside. They charged me a $70 service fee, put in some part for which they charged more money, and after all that the heater was still not fixed. So... read full review »