The above example of the A/C problem is exactly why you need a policy that says what is NOT covered. If the dryer is listed it is not covered, if not, then it would have been.
A Policy that is written in such a way a adjuster can make a decision on whether to cover a part or replace with a used/rebuilt part is what you want to avoid.
Personally, I have never bought a service contract. I am 74 years old. I figure what I have not spent on premiums allows me to just get it fixed and not have to deal with a adjuster.
I am presently in a campground in Colorado. A guy here has a Fleetwood Pusher. The radiator is leaking, needs a radiator. It has been over a month since he had it checked, waited 3 weeks for a adjuster to come look at it and say, yes it is leaking. Today is 9/13, the campground closes 9/22, morning temps are in the 30's here @ 7700'. As of yesterday, the approval for the radiator to be ordered has not been given.
He is getting concerned since the other campgrounds close end of the month. Me, I would have ordered the radiator a month ago and have it fixed and fight with them later.
2012 Ram 3500 Laramie, DRW, 8' box, B&W Companion 2014 Montana 3150RL, with all the stuff.