Please do a search on warranty and you will see MANY similar threads in here even in the last couple of weeks.

I was in your boat a couple of months ago and decided to not go with any warranty at all, after doing some research on various warranty providers and seeing what is covered and what is not, and the current state of economy where insurance companies (most of the warranty providers) are going out of business or under pressure to change their ways.

Good luck with whatever you decide.