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We live in a 20 year old home and have been in it for about 3 years now. When we bought the home, the seller paid for 1 year of home warranty and we have been renewing it each year at monthly payments of $56 or yearly permium at $672. The plan has a $60 co-pay whenever we need it also. So far we have used it for minor stuff, but nothing major. It is time to renew and I am wondering if we should renew or if we would be better off saving that money each month ourselves in case some repair is needed. Recommendations?
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