Choice Home Warranty Intentionally lied to make a sale. Do no do what they claim to do. Dover FL

I bought their best plan, including every optional upgrade totaling $2250. One upgrade was to make my AC worry-free for a 5 year period (the length of the plan). I paid at $45 required fee to the tech who came out.

I learned 1: They use their "exclusions list" in their policy loosely, manipulative, and to their advantage. They did not cover the repair claiming "D5 says we do not cover valves inside the AC unit." I noted the exclusion is only pertaining to heating valves and mine is actually a cooling valve. The said "it says heating but it means both so we can't cover it, sorry." 

2: Choice Home Warranty is NOT a warranty company as they claim. A recent court case against them and American Home Shield determined they cannot function as a "warranty company". They do anyway b/c they make more money breaking the law since few actually sue them. They make more paying fines and continuing to operate illegally.

3: Read the exclusions in the policy and DO NOT TRUST THE SALESPERSON! They will say anything to make a sale, even if it is not true. If you read the exclusions you'll laughably say, "what exactly DO they cover?" Not much. We had them out of 2 reasons, AC and Refrigerator in a year's period. Neither were covered. I paid for both to be covered. All I got for $2250 is a polite "sorry"

4: They have 1 star out of 5 (lowest) with the Better Business Bureau. 2057 BBB complaints in just 1 year as of 08/13/2019. 

5: All of the sites where they show high ratings have a note in the corner saying "paid advertisement". I.e. they are lying about their high ratings OR paying for them. 

6: Both techs who came to actually fix my issues said they told Choice Home Warranty to never call them again. By their experience, they go to help a client and when the service gets denied they are left standing there to be the bad guy. All they made on their jobs were the $45 the customer must pay as a service fee. Choice Home Warranty is the sinister middle man who takes your money, sends out a rep (at your $45 expense) and leaves them to look like the bad guy when Choice Home Warranty denies your claim saying something like, "we cannot fix your Air Conditioning (cooling) valve because we don't cover heater valves. If it helps change the temperature in any way, we call it a heater valve, even if it does not affect the heater in any way."