Had a $4, 000 GE Monogram fridge, which came with my just purchased home. After 3 service companies and 5 visits (taking all together 5 weeks), finally HMS offered a replacement (some Maytag) or $2, 000 cash. I took the cash and purchases as requested a new fridge and submitted my invoice incl. claim number. Now we have 4 weeks later and no reimbursement so far. I call in twice a day to find out where my check is. The first line support tells me it was cut 4 weeks ago (Wed) and goes out Friday basically saying the check is in the mail for the last 3 weeks. Lie 1. When I ask for the office of the president they tell me the check was never cut. Now I am at a supervisor and I make her type an email promising to mail that check coming Friday. Guess what - no email arrives. They are always calm, courteous, put you on hold to research the case for 10 min at a time, promise you to take care of you but guess what...nothing happens. You have to call them all the time. I guess they are sitting on your money as long as they can as a SOP. My advice: 1. Don't get home warranty if you have high end items as the company will only replace builder grade. 2. Do get it when your appliances turn 5-7 years old - that is when most appliances first break. 3. Make sure you have a low deductible (ideally less than $100). 4. Go with some other firm than HMS. Judging by what I have seen online, they are one of the worst