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3. you will be surprised. I had an Old Republic warranty on my current home that was provided by the seller. I had a problem with my AC on a particularly hot weekend in coastal Louisiana. I called OR, the customer service rep was very polite and arranged for a repair person to come out that day. The repair person was actually here within an hour but only because he was in the area already.

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Can't help there. It is a fact that these companies are more likely to send substandard contractors. It is necessary to lean on the warranty company in some cases. It can take longer to get a satisfactory resolution as compared to the home owner who simply calls his own contractor and pays out of pocket. Consumers often like the fact that they have some warranty on the systems and appliances. I buy these policies for my clients because they are more likely to remember me positively when they save a few hundreds or thousands on repairs.