I got a home warranty about a year ago and it has paid off. The warranty was 100.00 to start and it is 50.00 a month. A service call is 65.00. Mine covers anything pretty much. Air, garage door items, all appliances, ceiling fans, water heater, RO system, water softener, all faucets ( had two done already ) and more. Seeing as the house is 8 years old now ( bought new ) and had the water heater go out at a cost of 700.00 and also my water softener fiberglass tank went out at a cost of 600.00 the warranty seemed like the way to go Those items went out before I bought the warranty. . Piece of mind is worth more than the cost of the plan. IMO