Most are junk. In my years as a SM in a repair facility, found them to
pay half the bill, half the time. If you read the contracts carefully,
you'll find many loopholes or "outs" as I like to call them leaning
way toward the providers. They are a lot like insurance companys,
quick to TAKE your money but REAL hard to get any from. Factory
warranties are usually pretty up front & willing to get the problem
fixed at whatever the cost. Good luck.