For big ticket items like appliances, high end computer systems, and high end televisions, I'll cough up for the extended plan if I feel it's a good plan and worth the extra piece of mind. Usually, though, no.
Has anyone heard of the warranties from Repair Master ARMT32500 through http://www.jr.com/? They offer in-home service, parts and labor and replacement stuff. I don't know how good they are though.
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