I put in a claim for the Water Heater, they sent a plumber who request to replace because internal leaking. But they said they don't cover the tank even thought the policy said it cover all major parts. The main part of the water heater is the tank, if you don't cover the tank than what are you define here as "all major parts". I called to cancel the policy even thought I have 4 months left, but they said I don't have any money left on the policy. I have home warranty with other companies before but this is the worst company. Look at the policy to see what cover and what not and compare with other you'll see, there are a lot of major things they don't cover. All of the minor things they don't worth to put a claim in. Most of them you can fix by yourself and cheaper than the $45 service fee you'll have to pay up front. AVOID this company.