nowarranty

This is already being done. I read an article about it a few months ago. It's like living in a dorm. There's a shared kitchen and bathroom, but you have a private bedroom. I don't remember the term for it. ("Shared Living" seems to be about people with disabilities, but it was a name similar to that.)

As someone who has been through the pain of using a home warranty I highly recommend against it. When we had one we found one of 2 things always happened:

1. Whatever broke wasn't covered by the warranty. For example on a fridge, the most common component to break is the compressor, and that's not covered by a home warranty because it costs just slightly less than the cost of a refrigerator to repair. 2. The warranty company gets to choose who fixes your problem and they choose the lowest bidder, which is almost always a person who doesn't have better work to do because they aren't very good. Every single time I've used a home warranty, I had to have someone come back and re-do the work because it was so shoddy.

YMMV, but I've heard similar stories from others who have used them. I now consider a home warranty to be a negative rather than a positive because I've had to pay another person to come in and fix something correctly that was done improperly by a home warranty repair person.