How to Choose Home Warranty Coverage


Home warranties offer peace of mind to both buyers and homeowners, yet selecting an appropriate warranty involves considering several key criteria – coverage, limits/exclusions/pricing. Furthermore, make sure any service contractors you use are licensed/insured before making your selection.

Some individuals pay premiums year after year without ever needing to file a claim; others believe their premium money has been wasted.



Home warranties may not be inexpensive, but they can be an invaluable investment in certain situations. Before purchasing any plan, it’s essential to carefully consider its costs and read up on its coverage details before committing. Comparing various companies and their plans may also prove useful; try getting at least three quotes before selecting an affordable plan that fits within your budget.

Cost of them depends on several factors, including location, appliances, and age of house. Homes located in high crime areas or experiencing extreme weather events should expect to pay more for coverage than similar properties in safer settings.

Home warranty prices depend on a range of factors such as coverage scope, monthly premium and service fee. When considering available plan options and services fees to ensure a plan fits your needs and a waiting period should apply before coverage takes effect.


Home warranty plans typically cover systems like plumbing and electrical wiring as well as appliances like dishwashers and refrigerators. Most providers also offer add-ons that homeowners can select to further tailor their coverage; reading through your service contract carefully to identify any exclusions or additional fees can help make selecting a plan an easier process.

Cost of them varies based on provider, coverage levels and tier structure. Homeowners can get an idea of prices by reading online reviews or reviewing quotes provided. Also, sometimes things change based on what you need covered, like ductwork, as you can see here:

They typically have a list of excluded items and require you to abide by manufacturer specifications when it comes to maintenance. Furthermore, companies often do not give you much choice when it comes to choosing between models or brands when replacing an appliance; additionally, some restrict which contractor you can hire for repairs, which can be an inconvenience if the one assigned by them doesn’t suit you well.



They can be beneficial to new and prospective homebuyers alike. However, it’s essential that these policies come with certain limitations and exclusions, so it is wise to read your service contract thoroughly prior to signing anything.

Home warranty companies typically exclude damage caused by pre-existing conditions and wear and tear. Some also may limit how often a system or appliance can be repaired within a certain time period, or might only cover one repair or replacement per visit.

As these policies don’t typically cover natural disasters or catastrophes (this is what homeowners insurance is for), it is wise to review a policy’s list of excluded repair causes and maximum payout limits before making your purchase decision. You can do this by speaking with customer service representative or reviewing sample contracts; doing so can prevent you from being surprised with an unexpected repair bill not covered by your plan.