It depends on a lot of factors, like how old your home is and what kind of repairs you're likely to need. Generally, home warranty programs are more beneficial for people who own older homes, because the repair costs for newer homes are usually less expensive and may not be worth the premiums you'd have to pay for a home warranty plan. That said, it's always a good idea to read the fine print before signing up for any home warranty program. Some plans have a lot of exclusions or only cover specific types of repairs, so it's important to know what you're getting into before making your decision.