I had some issues with Broward in the home I bought last year. Their standard gold contract, if you dive into the small print, excludes electronic circuitry and computer boards, which is the brains of newer refrigerators, HVAC, ovens, washers and more. Coverage of these is $100 more and I was told the real estate agent was responsible to tell me that. So a covered fridge wasn't covered. Too bad so sad. Gotcha capitalism at its worst. They then asked for renewal which for a year is over $800 to actually have real insurance.
And....the small print says the item must fail first, not be failing but broke and then they determine who to fix, what to fix and if replaced whatever brand they want. My homeowners insurance is only $300 more that that and covers a lot more. IMO this is a bad deal.
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