In general, paying for additional warranties are silly anyway. The people that sell the warranties have worked out the math and sell them as a highly profitable add on. They're not selling them to be nice. That says you are likely to pay less yourself from a statistical point of view. You'd be much better off taking the warranty money and putting it into a low risk investment. If you need the money for a repair, pull it out. If not, you've got that money saved away.
Same with insurance. I shake my head at people that pay tons extra to buy lower deductibles but then ignore all kinds of other options they may really need such as Ordinance & Law. If you could afford a $2K deductible, don't pay for a policy with a $1,000 deductible. Insurance is designed to prevent you from going bankrupt or put you in dire straights should a catastrophic event occur. It's not a maintenance agreement.
Here's another tip. Review your policy every year in detail. Call your Agent if you don't understand it. Insurance Companies sign you up and then send out a policy revision every year. 99% of the people never read it. Then you have a claim and find out the coverages changes in that post card policy revision you received and threw away without looking because it looked like spam mail. You may get hit with hail and find out your 12 year roof now only has ACV coverage and it's going to cost you $7,500 to get a new one. Allstate is particularly bad about this practice. If you have Allstate, pray you don't have a claim.
