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Also, the homeowner may have little or no say in the model or brand of a replacement component though the warranty contract should provide for a similar or equivalent quality replacement. Torine said he bought a warranty for his East Hanover condo in 2016 after a recommendation from a cousin. It included all appliances in the home no matter their age or origin but not every kind of repair was covered. The warranty had a $100 deductible and cost $769 a year. So when Torine's AC died on May 5, he said he wasn't too concerned. He called for service, but the customer service representative couldn't find a repair company in his area, Torine said.

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I have had my AC replaced, my ice maker replaced, and a part replaced in my toilet.

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Problem is of course the call wait times are over 30 minutes and the contractor wasn't going to wait on hold that long.

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Is home warranty worth it?Not so sure.

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This last claim the company sent out a repair person who told AHS a repair was covered and then AHS made them send out a second technician who said it wasn't covered as per his instructions from his boss, AHS is their biggest customer.