Homeowners insurance is great at helping you out after a hurricane or fire, but what happens when your appliances or systems malfunction or flat-out stop working? Major repairs can easily cost thousands of dollars, and let's face it, most of us don't have that kind of extra cash lying around to replace a busted A/C or water heater. Fortunately, a home warranty could help cover the repair and replacement of your eligible home appliances and systems for a reasonable monthly fee. Check out Digg's list of the Best Home Warranties and take the sting out of appliance breakdowns.