We have had American Home Warranty here in Chicago the last 2 years and I think it is about $400 a year. A service call is $69.00 flat. We have more than made up for the monthly/yearly fee. In fact our dishwasher needed something in the digital display and it was an $800 part (I know, but it is a Bosch) and we paid just the $69.00 and the warranty company sent Sears out to fix it. I feel more comfortable having a policy in place. We have a new home in Lake Deaton so I won't need one for awile but when our home warranty is up we will get another policy.
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