We have had American Home Shield for 14 yrs paying a lot of money for a yearly coverage. When we have called for simple items to be repaired they send a company of their choice and we pay the $60.00 for them to come out, then they do a simple thing that would NOT be expensive and that is the end of it.
Now we have a large item that is covered in our policy and they want us to pay basically for the whole thing. I have come to the conclusion that as long as you don't really want anything that is expensive then you will get it but if you need something expensive, that is supposed to be covered, well just get out your check book because they find a way to make you pay for the repair.
I don't know if this is the policy of all home warranties or this is just a CRAPPY ONE. I do know that I would NEVER recommend this COMPANY!!