Some people will say it is a waste, I have had one for the past 4 years and I have liked it. I use HMS ( https://www.hmsnational.com/ ) and I live in Florida, so when my AC went out, it was great to have. That being said, you need to do your homework to make sure you know EXACTLY what your warranty covers. And you also need to be sure to keep up with regular maintenance for your appliances so it won't be considered "neglected". People have had some trouble with home warranties, but in the end, you just really need to go into it with reasonable expectations.