It's not all bad; it can vary. We have a different home warranty company who managed to find an obscure warranty that covered a $3.500 replacement on the inside coil of our air conditioning system. Our son, who also lives here, had his A/C go berserk. He called the warranty company, who sent a technician within a day, who found that the system was fine but that the thermostat had failed. (I'd never heard of a thermostat failing.) The technician replaced the thermostat, checked it, found it was now working correctly, smiled, and left. No additional charge, and his A/C now works perfectly. Granted it could change, but so far we have no complaints about the warranty company..
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