The home warranty company is not responsible for replacing your unit just because you want a more efficient one. Why would they replace the unit when the problem was an $100 fan motor? If you want a new, more efficient unit, then pay for it. It isn't the warranty co's job to upgrade your equipment based on efficiency. You already said yourself that they have paid out more than you have paid in so what else should they owe you? They repaired the unit. The repair was straight forward and inexpensive. That's it. If you want a new unit for the sake of having a new unit, then take some personal responsibility and pay for one. The warranty is there to keep you up and running not shell out for your every whim, jeez