<prompt> Human: Researching home warranties. Seeing a lot of negative reviews, poor BBB ratings and just a lot of verbiage in contracts that sort of indicates over a certain amount on systems like AC and Heating itd be out of pocket.Anyone have any experience with this type of coverage? Is it worth it?  <response>: My sister got a home warranty with their house, built in the 80s but with a few new big items. The AC stopped working in the middle of the summer and it took 3 months for them to finally repair it. Two months of going to the repair company every day to ask if they had the right paperwork to do the job they claimed the didnt have the warranty info from the insurance co and couldnt start working. It ended up being a 1000 repair that took about 6 hours to complete. So basically with a home warranty you dont get to choose the repair company, you dont get to choose the repair parts, and your dont get to choose when it is done. And for certain the Home Warranty provider will pick the cheapest repair company they can find. Add to that the repair companies hate home warranties because they dont get paid as quickly and with therefore put it off until they cant stand it. And your Home Warranty provider doesnt care if you are inconvenienced for awhile, as long as they repair it for the cheapest amount possible. Thats on top of the premiums that you will never get back and deductibles for every little thing you can think of. So if you have a choice, I would probably stay away unless you know a big item is about to fail. Even then consider the possible headaches. 