🧾 Blog #24: Are Home Warranties Worth It?

If you’ve ever bought or sold a home, you’ve probably heard someone mention a home warranty — usually right after the inspection report comes in.

And the question I get all the time is:

“Are home warranties actually worth it?”

The short answer: sometimes yes, sometimes no — it depends on your situation.Let’s break it down in plain English. 👇

💡 What a Home Warranty Actually Is

A home warranty is not the same as homeowners insurance.

• Insurance covers major unexpected events like fire, theft, or storm damage.

• A warranty covers the normal wear and tear of major home systems and appliances — things like your furnace, AC, water heater, plumbing, or electrical systems.

It’s basically a service contract that can help you avoid big surprise repair bills after closing.

🏠 When a Home Warranty Makes Sense

I often recommend home warranties when:

• You’re a first-time buyer without a cushion for sudden repairs.

• The home’s mechanicals are older (furnace, AC, or water heater).

• You’re a seller offering it as an incentive to make your listing stand out.

A warranty can give everyone peace of mind — buyers feel protected, and sellers look proactive.

💸 What They Usually Cost

Most home warranties range from $400–$700 per year, depending on the plan and what’s covered.

There’s usually a service call fee (around $75–$125) each time you request a repair.It’s like a deductible, but much smaller than replacing a furnace or water heater outright.

🚫 When a Home Warranty Might Not Be Worth It

If your home’s systems are newer, still under manufacturer warranty, or recently serviced, a home warranty might overlap with coverage you already have.

And while they’re great for certain situations, they don’t cover everything.Read the fine print — sometimes they exclude pre-existing issues or limit payouts.

💬 Pro Tip: Ask your Realtor (hi 👋) to recommend reputable companies — not all warranty providers are created equal.

❤️ The Bottom Line

Home warranties can be a smart safety net — especially if you’re buying an older home or just want extra peace of mind your first year.But they’re not a must-have for everyone.

When used strategically, they can protect your budget, simplify repairs, and even make your home more marketable.

📞 Thinking About Getting a Home Warranty?

I can help you review your home’s age, condition, and systems to see if a warranty makes sense — and connect you with trusted providers I’ve seen take good care of my clients.

👉 Call or text me at 331-980-0461📧 Email: RealtorAlyssaB@gmail.com

Let’s find out if a home warranty is a smart move for your next chapter. 🏡✨