When my kids went to school, it seemed to come earlier each year. Used to be a month after school started. When I went to basic training in the Army it was the same. Pictures. A company took them. They showed you the proofs. You had the right to refuse. I did, they were ugly. So, without my knowledge or consent they contacted my parents and offered them the photos. Of course they were excited and made sure it was in the Waterbury paper. I was ripped. My girlfriend was like WTH!! Friends l laughed. It was terrible. To continue with the OP The Home Warranty companies are out in full force replacing the auto warranty.