Home warranties

How a home warranty actually pays out once an appliance or system breaks, what homeowners describe about filing a claim, and how a denied or partly covered claim tends to get resolved.

• Are home warranties legit? Yes, but they're a gamble.
• What do people experience when filing a home warranty claim? Mostly smooth, but expect friction.
• How do problems with home warranty coverage get resolved? Through a claim, then appeals, then arbitration.

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