I have never had this type of insurance, but my brother-in-law did, and it took months to get things repaired due to the fact of the age of the appliance.
Most appliances have an expected life span.
What you should weight is how much you can save during that time against the cost of the insurance.
In most cases by the time your appliance dies from the savings you can purchase a brand-new model with all new and expanded features.
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