Most are not worth the paper they are printed on. If you look at the fine print you will find that they have left themselves "outs" all through their policys. If you don't report a problem in a timely manner. If you have a heating man come to diagnose your heater problem it voids the insurance because someone else just looked at your heater.
Like most insurance it is a scam. That being said their are a few companys that are more reputable than the others. I am in Vietnam right now so I don't have my files with me and can't give you names off the top of my head.
But... the leaders in the business are Continental and First American. Read your fine print and record your conversations with their agents. They will do everything in their power not to pay your claims. Most of these companys still owe money to the people in Northridge and New Orleans. Rip offs.
I would not recommend One Guard in Plano, TX. They service has been less than satisfactory on MANY levels. The servicers they contract with aren't well known companies that have been around a long time but are companies like 123 Air and 456 Heat. Although you pay them they are loyal to servicers. http://answers.yahoo.com/question/accuse_write?qid=20070906103959AAjiZWK&kid=RcIvXDTqBGQF_j_lVReqeDquHSSl9OUNipOh8ahIszURpafp.3uk&s=comm&date=2009-03-20+18%3A09%3A33&.crumb=
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