Anyone had any experiences with SystemsProtect?

Anyone had any experiences with SystemsProtect?
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I just followed this question because I’d love to have insurance on all my appliances, but I, too, suspect that such things are scams. I once bought the repair policy for over $2000 on a new car, but then every time I took the car in for repair, the type of repair wasn’t covered. That’s why I’m very skeptical of these kinds of policies.
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