Most of them will cost you more than you will recover. If you put the money away and pay as you go you will be ahead in my opinion. I would like to see an extended warranty that would pay for the big ticket items like a broken frame or split wall. Most times your insurance will take up the slack here. Items like the microwave, fridge, or furnace will be what you will be buying. The cost I have been quoted is in the 3500 range. I can replace quite a few items for that. If someone had made out like a bandit I would like to hear about it. If you still have the policy and weren't canceled out that is.