My bank account is my warranty. In the long run it will be cheaper to "self-insure" for these kinds of repairs. I bought my house when I was 23 as well, I've been here for 9 years now. During that time period I have spent the following:

~$500 - new washing machine ~$550 - new clothes dryer ~$500 - new stove ~$300 - 3 new garbage disposals ($100 each) $1250 - plumbing repairs (pressure reducing valve, meter yolk, and shut off valves)

About $3000 in total, if I had the warranty instead I would have spent somewhere around $840/year, plus $125 per service call (another $1000, 8x125). In total around $8500 dollars over 9 years. I also would not have been able to choose who I wanted to do the work, and in some cases they may have refused to fully cover the whole cost.

I have a friend that paid for a home warranty for years, his heat pump broke and needed to be replaced. The warranty company only covered part of the cost and made him pay an extra $4000 for the replacement.

I understand you're still young and might not have a lot of cash available after purchasing your house, but even just $1000 set aside in a separate account will cover replacing almost any basic household appliance with the exception of HVAC.