Let’s tackle the conversation of home warranty projects regarding HVAC equipment. Does a home warranty cover all of your repairs? No. In short, they cover more affordable repairs if they can find a contractor willing to work for their labor rates. When it comes to more expensive repairs especially those regarding refrigerant they cover a small fraction of what’s needed and the remaining balance is due by the homeowner. Are they good in the long run? I suppose the best answer is different for every circumstance. Will they replace the entire unit? Chances are they will accredit you a fee to avoid replacing it.
In some rare circumstances they will offer up replacement options however they will cover the cost of the equipment, not all the necessary materials needed to fully replace the equipment so again the homeowner has a copay involved. Either way, you choose to have a home warranty or not, maintenance is required by the home warranty and all around by every manufacturer to avoid costly repairs.