The normal wear and tear clause should be the least of your concerns. This is not "insurance", which is regulated by the state. It is an extended warranty agreement. They are a waste of money. You are locked in to allowing them to decide who does the repair, when the repair is done, and whether or not you want the appliance repaired or replaced. These should all be your decisions and not decided by a warranty company who is only trying to maximize their profit. Also, you will never get a first class technician to repair anything because first class technicians would never share their profit with a warranty company.
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