We purchased the home warranty through our mortgage company. We've had to contact them twice in three years. Both times they refused the pay for the services that we contracted for. I wouldn't recommend this company to my worst enemy. The first time our air conditioning while it was 117 degrees. They contacted a service rep 85 miles from our home. The service rep couldn't get to our place for several days. The Cross Country refuse to pay for a local rep. We couldn't go that long in the h *** igh temperatures so we paid for our own service rep. We just had a service rep try to repair our dishwasher. At first Cross Country approved the parts. Then a second person changed the authorization. So here again, we are stuck with the repair bill after paying the premium. Don't use this company. They are not reputable.