Experience with CCHS
CCHS is Cross Country Home Services. For a relatively small monthly fee, they guarantee to replace / repair all major appliances in your home, including your air conditioning and heating. Sounds like a scam, don't it?
That's what I thought, but I have a policy through them anyway. Turns out that it's the real deal. Our water heater died right before Christmas. I called CCHS, and they opened up a claim for me, no muss, no fuss. Had the heater replaced two days later (due to the holidays - CCHS doesn't pay for overtime unless it's an emergency).
Total out of pocket: $50.00 co-pay, plus $40.00 for them to haul away the old heater. Considering that the heater would've cost $500.00 to replace, not counting labor charges for installation, I'm extremely pleased.
As a side benefit, we found a nest of carpenter ants under the old heater, and took care of that too.