Home Warranty: Is It Worth It?
Why This Matters
A home warranty covers repair or replacement of major systems and appliances. Understanding pros and cons helps decide.
What You Should Do
Covered: HVAC, water heater, electrical, plumbing, appliances, garage door.
Not covered: Pre-existing conditions, improper maintenance, code violations, roof.
Cost: $300-$600/year plus $75-125 per service call.
Pros: Budget predictability, convenience.
Cons: Denials common, contractors assigned, coverage caps may be insufficient.
Read fine print carefully.
When to Call a Professional
If you have older systems and limited savings, a warranty may help. But maintain a repair fund instead for more control. Use our directory to find trusted professionals.
The Bottom Line
Staying ahead of general home services maintenance saves money and prevents emergencies. Search our directory for a trusted general home services professional.
