I paid for HomeServe for several years and felt comfortable that, as a senior citizen, I had good service plans - for heating and cooling and my interior plumbing and drainage system. When my furnace developed a cracked heat exchanger, which I found in Dec. 4, and the gas company had to turn off service, the HS technician said it couldn't be fixed and that I needed a new furnace. To my surprise, they don't cover heat exchangers, along with a long list of other exceptions. I got a second tech from a local company who repaired the heat exchanger and updated the lines to current code for less than $1000. The HomeServe warranty did nothing for me after being a loyal customer for years. I now am adding to my emergency household repair account and no more HomeServe. Just call me left in the cold in KC. Cheryeal Mack, president, Foxtown East Neighborhood Assoc., Kansas City, Mo.