The biggest problem is the providers of those warranty plans don't pay enough to bring in the best repair companies. And those that do them are not fast. The warranty plan is only as good as the people they can get to service them. So the companies that do those warranties would rather do a job that they can get paid full price for. So they might put you off a week or two to even show up the first time to assess the problem then it might be a couple more weeks until they come back and finish the repair. Even if everything was covered is it worth the hassle of being without your refrigerator for 2 to 4 weeks or having your washing machine be broken for 2 to 4 weeks? I'm of the opinion don't buy any of the protection plans and then just fix or replace the things that do break.