Listen to the other posts. Say something big goes out, like a water heater.
If that water heater needs a new expansion tank, due to code (can't replace the tank without doing the expansion tank), then you get to pay extra for the expansion tank. And, if it upstairs, that is extra. And, if you want the old water heater haled away, that is extra. If you have a blown coil in your air conditioner, and code says you have to replace the outside condenser too, then, you get to pay for the outside condenser.
Guess which is more? It is a scam. Save your money monthly. Put in the bank.
Pay for repairs yourself. You will be way ahead in the end.
Product or Service Mentioned: Water Heater Repair.
Reason of review: Pricing issue.