I always argue that prevention is better than cure.
I come from a family of clumsy people who happen to just break things very often.
Our house is full of broken and damaged household appliances and equipment that we drop, step on, ram into, or simply mishandle. Because of this habit, I decided to take precautions and ensure my household appliances like the portable space heater, for any eventuality. Additionally, I got myself an air conditioning service plan to cover any damage that might arise from any radiant heater or cooling system mishandled or damaged. The agent made it clear that he won’t be responsible for any HVAC service or repair on any HVAC equipment that is damaged outside the regular yearly service. At first, I thought I’d have an a/c workman on call for emergencies but the cost per visit was beyond my budget. With a service plan, there was an HVAC contractor available to assist with any problems. Although I was just preparing for the inevitable, my plan wasn’t well thought out because the buildings’ air quality systems were still in perfect working condition, meaning higher seer ratings overall. It would be a while before I would use the service plan that I was paying for. In other words, I would end up spending more on the plan than actual repairs. So I arranged for a meeting with the HVAC business that provides the service plan to discuss terminating the contract since the building had new HVAC. I figured it would be a while before the quality HVAC gave way to new air conditioning installation.