True, but you still have to cough up. The benefit of renting is that it's an SEP (Someone Else's Problem).
The issue historically is that these concierge things are expensive (should be solved by tech/ai) and the warranties create their own class of problems (claim frustrations etc).
But home ownership is expensive, no way around it. But the work in coordinating etc doesn’t fundamentally need to be.
However, I think it was on the phone with the company waiting on hold for about four hours total to process the claim. That was without any dispute or confusion, it’s just how long the process took. The person on the other end of the line would ask me one question, then put me on hold for another 15 minutes before asking the next question. I got the impression they are actually handling multiple customers at once and switching between us. I can only imagine this system is designed to deter folks from making claims. I was afraid to delay the call any longer by inquiring about whether there were multiple replacement models I could pick between. I received a $600 model from a manufacturer I wouldn’t have chosen.
If I’d paid $600 for that home warranty, I would not be a satisfied customer. I certainly wouldn’t recommend home warranties as a time-saver. It would be much easier to directly purchase products and services from people with some incentive to obtain my business.
It has been my experience with nearly all of them that you need to limit their exposure to big, capital items, and might need to fix smaller items yourself, at own expense. To run the latter through the landlord is just more trouble than it's worth.
That's okay with me. Very small price to pay for the convenience of not having to own the thing, and moving out essentially whenever I please (no, a 12 mo lease isn't "whenever you please", but compared to a mortgage, it is).
Living in a college town, there's a lot of this "prelease for $((YEAR + 1)) in August of $YEAR" crap going on, which really, really grinds my gears, since it undermines the most cherished aspect of why I rent -- the freedom to move, move often, move quickly.
And some terrible ones.