I have dealt with them for 10 years,I never missed a payment or an annual premium. This year I have had 2 Problems with there service. First my hot water went out and they did not cover it 100% and in October my central air conditioner had to be replaced. They authorized me to get it replaced' it cost me $7800.00 of which they have only allowed $2034.90 in assistance. This is not what the contract contract says that they will do. Now I can not get in touch with anyone.I have reached out to Call for Action and they can not reach anyone either. This is definitely not a good business practice.