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You will need to understand which contractors are covered under your warranty. There are going to be articles and subsections that may not be related to your coverage options. You need to verify, with your broker, which articles refer to your coverage options and which ones are not covered. You may want to have the contract modified to specify exactly what your coverage options are. Your home warranty is a way to take the stress and drama out of home repairs. You aren’t going to have massive amounts of money coming out for emergency repairs. You are going to be sure that your contractor is doing the best job that they can on repairs and that if it cannot be repaired, you are getting a new appliance. You will also find that any repairs that you have done, including replacements, will then affect your home warranty. You have protection in knowing that all your appliances will be properly maintained and cared for. You have protection in knowing that you and your family are covered in an accident or home emergency. That peace of mind is well worth investing into.

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Factory farmers barely make any money off of the chickens that they sell, and the second they try to reduce the amount of chickens per square foot in their facility, their cost goes up and their sales go down. When it comes down to pennies on the dollar, people are going to do what they have to do to eat and survive. It sounds like the real problem here is the actual system the home warranty companies set up, because it does pit customer and contractor against one another. I'm glad to read your side of the argument, anonymous HVAC contractor. The people who buy these home warranty plans do not expect to get something for nothing. We pay several hundreds of dollars per year for that "protection" . just like you probably do for health insurance. We may go for several years without filing a claim, just as you might with your health insurance. But, when you finally do get sick and need to use the policy you have been paying on for years and only owing your co pay is seen as trying to get something for nothing?Have you ever actually thought that opinion of yours through to it's logical end?What is a warranty for?What is insurance for?I would imagine that someday, after paying for your health insurance or a new car with a warranty, for many years without ever using it until a tragedy strikes, you find yourself needing to use the protection you had been PAYING for, only to find someone just like yourself at the other end of the desk. I would pray that is what would befall a person with reasoning like yours. Well.