Up till 6 years ago I had HSA Home Warranty. They would deny first. Then I would escalate the claim and even got a new AC unit out of them. American Home Shield after that. They were better. Have a new company that is worse, but cheaper. I have 2 combo AC/Heat units on my roof that are over 5K each to replace, so I pay the warranty company and they keep the units running.. The warranty doesn't cover everything, so I fixed my pool pump last month, my fridge ice maker this month. If I knew HVAC repairs, I would definitely drop the home warranty.