My A/C heating system died on Sept 20,2020. The company I use cane out on the 23rd andSaid it was too old (18 years) to repair. They put in a new system the next day. The owner talked to the company rep and told her what happened. I was told they would pay $1500 due to the age of the system. I knew that and was fine with that. They refused to pay a penny for the new system. I paid 11 months for this protection. Not only was I out the $1500 but also the almost $600 I paid in premiums. I cancelled immediately. They are refunding me $27.48 on the pro-rated monthly fee. Don't even think about doing business with this company.