Choice Home Warranty CHW Does Not provide coverage as advertised Edison New Jersey

I have had three claims with this company, and all were horrible experiences.

1) Hot water heater failed, fine print, everything is covered EXCEPT the tank. Useless coverage

2) Built-in fridge failed, buy out offer was 2.5% of the replacement value, and after dispute, went to 5%. $400 for a fridge where the only option is a built-in which replaces at many thousands of dollars. No payment ever received.  Insulting level of payout for a ~$8000 fridge.  We even purchased a double up level of coverage due to the high end quality of our appliances.

3) Garage Door opener failing, after inspection, technician indicated the motor was worn out and failed. Refusing to cover due to a completely unrelated loose board. Even with technician on the line, refuse to cover.  Technician emphatically told the CHW claims appeal representative that the loose board was 100% unrelated to the problem with the motor.  The rail, springs and door was replaced 3 years ago, and is very well balanced.

Useless warranty, and only looks for ways to deny or provide extreme minimal payout.

DO NOT BUY