I always purchase a 10 year parts and labor contract from Carrier for my A/C unit, covers both inside and outside components. Cost was in the area of $900. Provides me with security that I will not see a large bill for 10 years and will easily pay for itself if a major component of the system fails. In two of my homes the coil in the air handler failed and required replacement. This is a big job zero cost to me. Also as I did not stay in those homes for ten years I pro-rated the contract and sold it to the new owners.
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