I have been with Fidelity for several years, paying but not needing service except the last couple of years when I have requested service, got delays, rude customer service, terminal hold on the phone, etc. The last service call was the kicker when I called about a rusted water joint under my kitchen sink. The plumber came and said it wasn't the joint but the clasp holing the joint and that part wasn't covered. He said he could fix it by replacing my perfectly good but old garbage disposal, After he replaced it, the new one didn't work and he said the outlet was wired wrong and would need an electrician which took a couple of days because I had to go through Fidelity. After a few days the electician showed and had the problem fixed in under a 1/2 minute. The plumber Fidelity had sent for a simple joint replacement, but instead had replaced my perfectly good garbage disposal, had plugged the new disposal in the wrong outlet and that was why it didn't work. The electician was disgusted and said he would report it to Fidelity. I am on a fixed, limited income and really can't afford this insurance so I asked to cancel and get a prorated refund. I got a letter from Fidelity that stated that 128 unused days were prorated for a total of $229.12 which seems about right but then they had the gall to say that the contract could not be canceled except for (a)non-payment, (b)for Seller if close of escrow doesn't occur or (c)fraud; and that there were $50 administrative fee and $512.97 service costs (not sure what for) which leaves $333.85 owed. I say this is fraud (misrepresentation of facts by Fidelity) on there part because they don't want to follow thru with authorized repairs and have bogus contractors who add extra services and parts then don't even know how to plug in the part properly. I found out later that the sink part cost under $10 and a friend of my son's could have talked him thru the repair. Instead there's the charge for the plumber's 2 visits, the garbage disposal I didn't need and the charge for the electrician who got a good laugh at the stupidity of the plumber in not know how to plug in the disposal. I'm assuming that is what the charges are for. Under the circumstances cited above I feel the desired resolution would be a full refund of $655.00 contract price because of the ineptitude of Fidelity in provide competent repairmen that caused a lot of inconvenience and stress for me. I had to cancel 2 doctor appointments to wait on the servicemen.