We purchased a home and went to settlement on June 15, 2009. As part of our contract, a Home Warranty policy was issued to us for one year. On July 27, just one month after our purchase, our air conditioning stopped working on a very hot, humid, Saturday night. When I called to report it to the insurance company (which is required) the woman told me it was not an emergency and no one would be out until Monday. When the service tech arrived on Monday AFTERNOON, he looked at our system, called Globe Home Warranty, and explained the problem. The representative than told me the A/C unit was not covered because it had not been maintained properly. What is the point in buying a policy, if they dictate whether or not they will repair it. Rather than spend the money to repair it, and knowing our warranty was no good, we had the unit replaced at a cost of $4, 000 to us. We now know that our home warranty policy was a waste of money, and we will never have any reimbursement for anything that breaks down. There goes $400 out the door for the policy.!!! The Home Warranty Insurance business is definitely a scam deal!!!