This is my first year with Select home warranty company and requested three repairs. They declined all three. Counter top microwave (expensive one), cooling issue in summer and now heating isdue. Every time, we had to pay $100 as up front tech fee/visit fee as per contract, but they declined repair each time on the grounds that you don't have three year service records. All this process took each time 2-4 weeks for getting a NO answer. This company is a scam. They have 11 five star reviews on their website, probably all by themselves. Please do not waste your time and money with this company.