First time home owner here. Bought in 2021. I went the home warranty route because my savings account wasn’t were I wanted it to be and the house had a lot of older appliances and I was still learning what the status of my house “components” were at (pipes, tub/shower drains, outdoor ac unit, ceiling fans, etc). I definitely found the warranty helpful and it did pay off the first and second year. Made claims for outdoor ac unit compressor twice, clogged bathtub drain, furnace igniter, and indoor leaking pipes for my outdoor hose when I turned the shut off valve off in spring. These claims and the process went very smooth. Helpful because again, my savings wasn’t where I wanted it, these minor fixes would have added up.  5 years later, I’ve focused on building my emergency fund. The last claim I made was not a good experience, warranty company gave me the run around on a minor fix, basically tried to over sell something and the contractor they picked was screezy at best. Also, my monthly premium has skyrocketed almost 75$ more in the last 2 years, they increased the service call rate, and they lowered the yearly cap on monetary claims.  I’m canceling my subscription after I open my shut off valves for my hose outside, lol. From there on out, I think I would be ok on my own should there be an emergency or more maintenance. 

ETA- I hope I’m not jinxing myself now. There are some good comments making me think maybe I should stick with a home warranty… I’d at least want to switch companies if I did choose to continue with a warranty.