Tough call. We just returned from a long trip when we had to use our extended warranty two separate times. We have a policy with Wholesale Warranty. Their customer service is awful and they only wound up paying about half the repair bill each time. Not sure I can recommend their company based on our experience. I think warranties might be worth it if you plan to travel or live full time. Then you will have more repairs that may be covered and will justify the cost. Otherwise, self-insuring may be the way to go if you can stomach the possibility of having to pay a big bill. If you do take coverage be very mindful of the exclusions and pay a bit more for consequential damage coverage. Good luck. Warranties are the Wild West.