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Furnace/Air, Fridge, and leave the rest uninsured. I've used their service several times for furnace/central air problems and they always show up the same day or next day and have always fixed the issue with no service charge. In my old house, they replaced the circuit board on the HVAC unit twice in a year for no charge. Of course it would only die on the coldest day of the year. and they'd still come out and fix it same day. In my new house, they gave us a freon charge on the A/C for no service call charge or additional cost up to 1 lb free. which was all we neeeded. I think the problem is, is that consumers do not read their contracts. Most warranty companies have options that add other coverage to the basic plan. Also, consumers don't have fair and reasonable expectations. When he weather is 95 degrees outside, don't people think that EVERYONE is calling in?The contractors that home warranty companies use are RETAIL companies.

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It's a shady operation that has no problem taking our premium but has yet to fulfill their end of the deal. When you purchase a home, even a home that isn't new, there is a very good chance that you will be offered a home warranty. The seller may offer to purchase one on your behalf to provide peace of mind that any component of the home that fails can be fixed affordably. If not, you will likely receive numerous mail solicitations to purchase a home warranty once the sale closes. A home warranty may sound like a great form of financial protection against expensive, unforeseen home repairs. But is it really the safety net homeowners expect?For more, see: How to Buy Your First Home: A Step by Step TutorialA home warranty costs a few hundred dollars a year, paid up front or in installments, if the warranty company offers a payment plan.