The right home warranty plan for your situation will vary. If you have a relatively newer home with brand new appliances, you might opt for a systems coverage plan. But if you have an older home with lots of quirks, you might go for the combination plan.
Take a look around your home to see what you’d like covered. If you don’t see a combination plan that offers everything you want, consider your add-on options. Many companies are willing to provide add-on coverage. But be prepared to pay a higher premium.