Home warranties are generally not worth it. Warranty firms are slow to respond, delaying essential repairs and potentially violating habitability laws. They often use low-cost, low-quality contractors, leading to poor repairs. Their contracts are full of fine print, frequently avoiding coverage for major expenses and emergency repairs. Instead of paying for a warranty, it’s better to set aside money in a rental rainy day fund for faster, high-quality repairs, ultimately saving money in the long run.