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Depending on which part of the contract that you are in, you will see terms that will relate to your coverage options. You will need to understand what your coverage options are. You will need to understand which contractors are covered under your warranty. There are going to be articles and subsections that may not be related to your coverage options. You need to verify, with your broker, which articles refer to your coverage options and which ones are not covered. You may want to have the contract modified to specify exactly what your coverage options are. Your home warranty is a way to take the stress and drama out of home repairs. You aren’t going to have massive amounts of money coming out for emergency repairs. You are going to be sure that your contractor is doing the best job that they can on repairs and that if it cannot be repaired, you are getting a new appliance. You will also find that any repairs that you have done, including replacements, will then affect your home warranty. You have protection in knowing that all your appliances will be properly maintained and cared for.

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America’s Preferred Home Warranty is dedicated to helping families lessen the burden of unexpected expenses by paying towards the repair or replacement of any covered appliance or home system that malfunctions under normal conditions of use. A home warranty can protect you in case of a major failure within your home; such as with kitchen appliances, plumbing, furnace, air conditioning, septic, roof, water heater, trash compactor, water well pump, attic and exhaust fans, electrical systems and more. Regular maintenance is essential for keeping a house functioning, but occasionally a malfunction can occur that requires repairs or replacement to restore the situation. Your America’s Preferred Home Warranty agreement will assist with the cost of large, unexpected repairs required when any covered systems fail due to normal wear and tear. I do not think that anyone "needs" a home warranty. That being said, when I bought my first home it was great to have a home warranty. The couple that sold the house to us offered a year of HMS home warranty to us, and it was really great. We live in FL, so when our AC went out, it was a relief to know that we were covered. That being said, you need to really do your homework to know exactly what is covered by your warranty. You also need to keep up with regular maintenance for your appliances so that way they won't be considered "neglected" and that will not be covered by your warranty. ANSWER: Never buy them.