Consider the top three home warranty companies, you may have to use the process of elimination to determine which are the top three. Average their monthly fees and start a savings account with a sum equal to the average of those fees.

If your cost for repairs/replacement of your home's systems then charge the difference between your savings and those cost to a credit card. Just make payments with future savings until it's paid back to normal.

The probability is high that you'll come out even or better the longer you continue to save instead of pay.

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