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I faithfully change my filter every month year around. And have a maintenance visit to check the ducts, air conditioner and heater every 5 years or so. I have only bought new or relatively new homes lately, and have never needed any other service.
I wouldn't buy an agreement unless I was buying an older home and then would request a 1 year warantee service with the home purchase. Other than that, I've had to repair rarely.
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