home warranty coverage costI was looking at these services because we had to call out an electrician for an issue in our home, and the tech told us was $60. 00 just for being called out, and $245. 00 for him just to troubleshoot our problem before recommending a solution. Since this seemed really excessive, I decided to check out this insurance to see if it would benefit us and our budget limitations, but what I found was discouraging. I have always felt since you're purchasing insurance to cover a certain kind of issue and paying a premium to do so, then why is it necessary to pay additional amounts for the service you have the insurance for?It's just like having dental insurance that you pay a $500. 00 or more deductible, then sometimes hundreds of dollars in monthly premiums, only to have to further pay $600 to $1000 or more to get dentures. Ridiculous!If you had that kind of money, you wouldn't need insurance in the first place!What is the point?So, I guess we'll just have to keep taking care of our household issues on an individual basis and keep trying to find the best price for our budget, because this insurance, just like every other kind I know of, seems to be one gigantic scam. As a former HVAC contractor for several home warranty companies, I concur with the other service companies' negative remarks regarding these policies. Everyone involved is pitted against each other from the start, and everyone will get skinned contractor and customer alike except the home warranty company. These policies appeal to hungry contractors in saturated markets, and bad customers who want something for nothing. The customers we dealt with would become so angry and desperate they would literally harass and threaten us.