Home Warranty of America and all other home warranty insurance companies who fall into the category of stealing God's Money beware your day will come. I purchased a home and you know the networking of the Polictical System "the 1st beast" beware your days are coming to an end of stealing from God's children. You know your loopholes. I didnot renew the policy I sure it is lodged into my mortgage payment! All lies, research your documents carefully all documents lesson learned. Brenda Perry