Do yourself a favor, and don't buy a home warranty at all. You are much better off paying for home repairs out of pocket. If you have an issue, you will probably get slow service, a second rate contractor, and a lot of things will not be covered. Also, often a broken appliance should be replaced, not repaired. But, you will not have that option because the home warranty company will repair anything that can be repaired. You will never get a good, reputable repair company because good companies don't need to pay for referrals from a home warranty company. So, if your HVAC system fails, you may need to wait several days for a second rate contractor from out of town to show up, when you could have it fixed by a first class company the same day. Just my opinion.
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