If you’re going to throw money away put it towards a surge protection warranty. Odds are better you will get an indirect or direct lightning hit that could take out your appliances. Duke Energy has one with no deductible but they do pro rate the appliances (rightly so). I did the home warranty thing up north but finally decided it was throwing money down the drain. The HVAC repair will be like for like with what they choose, etc.
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I will say the things that others are probably thinking but afraid to say.
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