Auto-renewal with phone-only cancellation and 30+ minute hold times

Home warranty contracts auto-renew with a credit card charge, but cancellation cannot be done online -- it requires calling a phone number that is only staffed during weekday business hours, where hold times routinely exceed 30 minutes, and the representative is trained to offer discounts and retention pitches before processing the cancellation. Many homeowners give up or miss the renewal window and are charged for another full year. This dark pattern persists because warranty companies profit from inertia -- every retained customer is revenue with low expected claims cost -- and because home warranties fall outside FTC auto-renewal rules that apply to other subscription services in most states.