I would go zero as well if that was an option. What a joke. I was a customer for over 5+ years in a house that had no issues except for last year. Guess what? Not only did they not contact me to renew but when I ontacted them they had decided that "management did not want to renew my policy" I was allegedly informed via email which is BS because I religously check spam for instances like this. I thought I had been auto renewed as I had been in the past. Instead no call no write just dropped us. When I call to file a claim I am told no policy. Let me tell you the work wasn't that great and is all a scam set up through their Sonoran services company which does the repairs and shotty at best. I have since switched my other home to Choice home warranty which is a national company that costs less and actually answers their calls. I have had nothing but a great experience with them so far. My recomendation is to check them out instead. Choicehomewarranty.com