We purchased an assurant solutions warranty for our washer and dryer when brand new. Before 3 years were over, both had stopped working. The policy we purchased was called "repair or replace". That means to me that if the item cannot be repaired within a reasonable period of time, replacement is required. It has been four months and multiple service calls and neither the washer nor the dryer work adequately. Assurant says they will not replace until we have had four service calls for the same issue within 12 months, at least 90 days apart. This is not published on their website, and does not seem to be anything they inform the consumer of up front. Instead they have a blanket statement saying replacement will be at their sole discretion. Their promise of "repair or replace" apparently means neither.