Home Warranties does anyone use them? Or a scam?

[Julie Verardi]

Has anyone used any of those Worry Free or home insurance things. I was checking this one out from Sears https://www.searshomeservices.com/home-warranty/compare-home-warranty-plans

I'm debating if it's worth it since they charge $75 a month and $100 deductible per claim up to 10K per issue with 50K annual cap. 

[Ned J.]

Total scam........ they are often expensive, don't totally cover the items, the companies they use to "fix" claims are often crap and they will band aid the issue until the end of time......

The single benefit is if you are OOS, you call them and they handle the claim, so you don't have to find your own repair people etc.....so its ease of use...... but you often have to manage the insurance company as they jerk you around, stall and band aid the actual issue.....

Had one when I bought a rental in TX and then continued it when the initial expired..... regretted it to this day.

I'll take one as part of the deal when I buy.... but wont keep paying for it myself.

Better off building a network of repair companies you trust