re: Are any home warranties worthwhile?

I'd say no. While you may have luck replacing smaller appliances like microwaves, I'd forget an ac. While the first example is like pulling teeth, the second is like getting a knee replaced. I only have antidotes. My brother has been fighting the ac unit that came with his house. The ac has got to be atleast 15 years old but he bought the house with a home warranty. Long story short, hes made 3-5 claims on the ac unit. Each time they checked everything and either changed one part or refilled the freon. The mess up is one time, they didn't use the correct refrigerant possibly damaging the unit. I'm aware that its the ac company's screw up but if they would have replaced the ac unit after the third visit, we wouldn't be in the predicament.