I have this coverage and have had no complaints in all the time I have had it. I have had all those items replaced without cost, only deductable, that are covered. As long as the claim is put in properly prior to work being done and items are covered, it will be honored.I found that using a good repair facility who are familiar with coverage and the proper way to submit claims makes payment a lot easier. I presently have my MH in for several items to be repaired, refrig, AC, Sat dish and leveling jack. I expect these items will be covered. Totally satisfied with this program.