I home owners insurance that wasn’t a terrible waste of money would be good. Maybe allow for homeowner ratings on services rendered.

Currently home warranties are bad because they provide the worst, cheapest repairs possible; slowly; and reject many things. I would like to have a real home warranty, but tried three companies and they were not good. My favorite was they just couldn’t repair my hvac and said I had to keep paying $75 to send out different repairmen to try to fix it.