How to Attract a Contractor

I just saw a TV commercial for what must be some kind of insurance company. As a homeowner, you pay a monthly fee — and then, when some inevitable repair crops up, they cover the cost in full. Or at least that’s what they claimed in the ad.

My guess is that there is some fine print someplace that lets them off the hook if, let’s say, your house has bathrooms. Or you use the stove more than once a month. Or you’re right-handed.