The only luck I've ever had with home warranty kind of things is Minnegasco Service Plus (or whatver Minnegasco calls itself now.)

For a nominal monthly fee on my gas bill, it covers all my appliances with no out of pocket for repairs and a good price on replacements if the item is unrepairable. If my furnace stops working at 2AM, I'll have a tech at my house by 3AM and they will keep working the problem until it's fixed. They just repaired my 80's dryer without question and without any trouble. I'm thinking about calling them just to look at my furnace just for fun. They're great.

I had a home warranty on my first house from the builder. They had an easy solution to honoring the warranty. They declared bankruptcy and skipped the state. Apparently they'd done that before. I'm glad I sold that place before real problems started showing up. Other houses in my development had significant problems with drainage and grading.

They also "forgot" to put gutters on all the houses. I never got that one recouped.