RE Expenses: Allot for Maintenance or Home Warranty for Repairs?

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Hi BP Community! I've been reading voraciously and while most people seem to allot for maintenence, I've noticed some threads where others relied on a home warranty for repairs. I'm a newbie trying to get up to speed, especially before jumping into any REI.

Does anyone here use a home warranty versus maintenance via contractors? Why or why not? Looking forward to feedback!