When I had a one year home warranty, I spent pretty much the entire year trying to get them to fix my A/C unit.

Multiple calls out, and all the service ppl did was blame my home, or my equipment, and otherwise looks for excuses to do nothing.

Once my "warranty" was over, I spent less than $300 on an out of pocket every call with a decent company, and the fixed the issue in less than 1/2 an hour

TLDR; The home "warranty" companies are just a huge scam.