I lump these coverages together with all the extended warranties etc. Don't buy ANY of them. When something breaks you are thousands ahead to start with. Add up all, appliances, tires, wheels, extended vehicle, computers, mowers, tools.........you name it. If I took care to add up all the crap I was offerred over the years it would be 10-20K. **** for that amount, just get get 4 new dubs .....
We all seem to think someone else should pay for everything, but WE actually are paying for it, indirectly. Keep all that money in your account and let it grow rather than give it to THEM so they can watch it grow.