Yep, **homeowners BEWARE**!!! We should have investigated this company first, it would save a lot of time and frustration. We now have found a lot of reports in the BBB and other sites, all stating **to BEWARE**!!! We got Major Systems Plan with Pool & Spa coverage for the year, a total price of $458.90 starting October 2006. We filed 2 claims last June 2007 as our microwave and our garbage disposal broke down on us. We called the claims department and they told us to call Mr. Appliance, a contractor. The contractor came last June 22 2007 and looked at our garbage disposal and microwave. Stated that it would be cheaper to be replaced than to fixed. They wrote their report and sent back to NHP. The garbage disposal was replaced on July 6th 2007 after several calls to NHP. NHP offered a cash out for the microwave but it does not even cover installation and delivery!!! Up till now, the microwave has not been replaced. We called NHP numerous times and we would be passed on a Supervisor but to their voicemail. Left messages but still no calls back. Left messages for their arbitration, still no calls back. The only contact that we had from NHP is to renew our contract!!! What a joke! Our contract has now expired and still the claim is not resolved. We filed a report on BBB and Department of Insurance. We just want our microwave to be replaced and installed, like what we are entitled to. We paid for the coverage and NHP should complete the claim.