Service America is the biggest rip off and is the definition of insurance scams. I signed a contract with them in 2006. Nothing has ever been covered by this company that is included in the contract.
Basically, every time somethings breaks they comes and say it is not covered. Then they proceed to gouge me, example... my broken hot water cost me $750 to replace. Considering the hot water heater cost $170 at most they should double the price of the heater for the labor.
Also, the biggest problem in Florida is AC repair, Service America never fixes ACs for free, they are never covered and they do not do a good job. One time they lit the apartment on fire trying to fix the AC.
Service America is the biggest ripoff I have ever had the misfortune of using. Definitely DO NOT use this company.