We have been paying for a homeowners warranty for close to 5 years now and it is not cheap.
The warranty is supposed to replace or fix various appliances and features in our home if they break down. I am really starting to think it is not worth the money. For starters, when the stove stopped working. The warranty people took over 2 weeks to fix it. That was 2 years ago and we have not used the warranty in all of that time. Then our air conditioner stopped working. We call our homeowners warranty and they sent someone out to take a look. The HVAC technician that the warranty company sent out told us that we need to replace our entire HVAC system. However, the warranty company won’t pay for it. Apparently, we were supposed to have the homeowners warranty pay to have the HVAC system serviced twice a year. They have no record of us doing that so our HVAC system is not covered. This is crazy! They never, in 5 years, reminded us that we were supposed to be having our HVAC system serviced. When I pulled out our paperwork, it does say that we have to get our HVAC system serviced bi-yearly but who has time to read the over 200 pages of information included in our warranty? I wonder what else is not covered because we have not been following instructions to the letter. I am definitely canceling our homeowners warranty and I guess I will just have to pay to get our HVAC system repaired myself.