If it's any consolation our house had a toilet back up. The home warranty was crap. They sent the plumber out to "fix the issue" and the next day we still had an overflow.

I called them on their emergency line and was told that this was not part of the first incident and I would have to pay an additional service fee which was around $95 each time.

Their "approved plumbers" were slow to respond and didn't even show up.

I just gave up and paid a local plumber who did the whole snake and camera.

Everyone has different experiences though so ymmv.