I know they are basically 'all the same' but I'm wondering if anyone has ever had a 'good' experience with a warranty company?

I just had an issue where we put in a claim because we had to fix the components of an electric water heater (elements, thermostats and breaker) - and the warranty company refused to cover the costs for the thermostats and breaker because they were deemed "consequential" issues resulting from a faulty element. Isn't that why they exist - for consequential issues??

It's amazing to me what these companies will do in order to deny a claim. I'm just wondering if any insurance company will actually cover people the way that we expect to be covered by them... :(