When I purchased the up-to-date Heating and A/C system, I purchased a repair and service plan to go with it, then after two years, I had to purchase a up-to-date repair and service plan, even though I also wanted insurance for my Heating and A/C system.
We no longer had a warranty, and I knew how luxurious Heating and A/C repairs could be. All the repair plan did was get me service on my boiler and air conditioner unit, every year… If there minor repairs, they would be done for free. If anything broke after that, I had to spend money for the parts, even though I got free repair, as long as I waited my turn and didn’t ask for emergency repairs. I wanted to have an insurance policy that covers all contingencies not covered by my repair plan. After calling my insurance business, I felt like I was looking for the proverbial needle in a haystack. They had health and life insurance for pets, you could insure your home and car, but there was nothing for an Heating and A/C system. I wanted to add the Heating and A/C system to my property insurance, but that only covered it if it was damaged by fire, storm, or other natural disaster. I asked if my Heating and A/C system would be covered if a tree dropped on it. I thought if something happened to the Heating and A/C system where it couldn’t be repaired, I could constantly cut a tree down and have it drop on the home or the air conditioning, my insurance contractor knew I wouldn’t do something like that if I was asking, but there still wasn’t anything they could do.