re: Anybody ever had home warranty with heater problems

It's not worth it unless you have mostly $1000 plus appliances and really high end fridges. They are not in the business of paying out for repairs promptly.

I do not like home warranties and would never deal with a home warranty company again. But there are some cases when it is worth it.

Also what is your deductible? If it's more than $75 it's almost never worth it. A lot of great repairmen will only charge $60-75 to come out and diagnose and most appliance repairs are less than $300 total (even when getting into major repairs) Home warranties cost a good bit more than $300 a year so if you just saved the amount you would pay them you would be better off. The big if would be if you have Dacor, DCS, Sub_Zero and GE Monogram, where repairs can get into the 800's easily.

Kitchen Aid has a built in fridge that has a control board that is $975 for the part. Luckily there is a company in Illinois that will repair it for $175 and warranty the repair for a year, but unless you have home warranty, high end appliances can shock you.

It is very rare to have two appliance break in a year. If one appliance broke a year, you would be better not having a warranty.

You will also get a lesser service from companies because they won't make nearly as much per job. I like to profit at least $100 per repair for the most part with warranty my profit was closer to $65-70 so of course those jobs would get pushed back. Larger companies do the same thing.

They are great if you aren't paying for them, but again unless you have $10k worth of appliances in your house, it's rarely worth it.

Though there are people who are very happy with them. I will say I think Old Republic was better than AHS.

Those are the only two I dealt with.