<prompt> Human: I am coming up on my renewal for my home warranty, Ive been in my house for three years. It was built in 2001 and Im the second owner. It is expensive and Ive never had to use it knock on wood. I need some advice from others to have had one and used it. Was it worth it? Did you have any problems getting things fixed? My neighbor has a different company and she ended up paying over 500 out of pocket for a new water heater. Thanks!  <response>: Rarely ever are they worth it. About 12 of the costs actually go to servicing repairs, the rest go to upkeep of the warranty company. Additionally, if you end up having a big ticket item repair theyll do everything in their shitty contract and even beyond to deny the repair. 