Home warranties are generally assessed as not being cost effective by consumer product and service review organizations.
The only service contract I have is with my HVAC company. Not because I can’t change the filters or call them myself if something goes kerblooey, but because I want priority scheduling when the A/C or heat goes out.
I was poking around the rotted boards on my deck landing and saw some insectoid mud mounds, as well as disturbing a field mouse. Called a local pest control company to check it out and inspect the house. “No worries, it’s not termites,” he said, “I could sell you an annual inspection contract, but it’s not worth it. Really all you need to do is call us if you see anything.” My mouth was still hanging open when he got in his truck and drove away.