I took a home warranty policy for a number of years. It was great when I needed tiny things done, such as a replacement disposal. I must have saved a hundred bucks after I paid the service call fee. But, after years of paying when I had my heat pump go out (up north) repeatedly, all the warranty company would do would be to pay for the service man to come out and refill the freon (that is how old the unit was). I had to pay for the freon (ouch that was expensive). When the indoor unit went out, they agreed to have it replaced....but not the leaking outside unit. That made no sense to me. But, it was their rule. I asked the repairman to give me an estimate for the replacement of both units. They said 7,000. When I shopped it around, I got it done for 4,000. Oh, the warranty company paid me 500 bucks for the inside unit but that was it. So, all in all, I laid out thousands of dollars for the warranty coverage and got very little. I will NEVER NEVER NEVER buy another home warranty. They are scam artists.
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