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A home warranty is like an insurance plan for your home's major appliances and systems. It covers repair or replacement costs when they break down due to normal wear and tear.
Here are some of the most common home warranty plans offered by home warranty companies and items covered by them.
Protect your home's essential appliances like refrigerator, washer, dryer, and oven from breakdowns. Enjoy peace of mind with repairs or replacements covered.
Protect your home's core functions. Covers plumbing, electrical, HVAC systems, and more. Avoid costly, unexpected breakdowns and keep your home running smoothly.
Get the best of both worlds! This comprehensive plan covers appliances and systems, offering complete protection for your home.
Combines all the items listed under the Appliance Plan and Systems Plan, providing complete home coverage.
A home warranty offers the following benefits:
The usefulness of a home warranty depends mainly on the age and condition of the home. Here's a breakdown of how useful a home warranty can be to you depending on your home’s age:
Pros |
Cons |
|
---|---|---|
New Home | Limited use as new homes typically come with builder warranties (check duration and coverage). The builder’s warranty plans offer peace of mind for unexpected breakdowns beyond. | It may not be cost-effective as major breakdowns are less likely in new homes. |
Middle-Aged Homes (5-15 Years) | More potential value as appliances and systems start aging. Home warranty plans can protect against costly repairs and offer budget predictability. | Consider exclusions for pre-existing conditions and coverage limits. Carefully evaluate cost vs. potential repairs. |
Old Homes (15+ Years) | Home warranties can be highly valuable as breakdowns are more likely. It provides financial protection and potentially saves money on repairs. | Home warranties may charge higher premiums due to increased risk. Careful review of exclusions and coverage limits is crucial. |
New Home
Middle-Aged Homes (5-15 Years)
Old Homes (15+ Years)
Pros | Cons |
---|---|
Limited use as new homes typically come with builder warranties (check duration and coverage). The builder’s warranty plans offer peace of mind for unexpected breakdowns beyond. | It may not be cost-effective as major breakdowns are less likely in new homes. |
More potential value as appliances and systems start aging. Home warranty plans can protect against costly repairs and offer budget predictability. | Consider exclusions for pre-existing conditions and coverage limits. Carefully evaluate cost vs. potential repairs. |
Home warranties can be highly valuable as breakdowns are more likely. It provides financial protection and potentially saves money on repairs. | Home warranties may charge higher premiums due to increased risk. Careful review of exclusions and coverage limits is crucial. |
Home warranty plans are useful for all homeowners but are more useful to some people than others. Here is a list of people who can benefit from home warranty coverage:
First-Time HomeownersPeace Of Mind Knowing repairs are covered reduces stress and anxiety, especially for new homeowners unfamiliar with potential issues. Budget Predictability Fixed monthly payments ease budgeting and avoid unexpected repair costs. Protection Against Unknown Issues Covers breakdowns due to pre-existing conditions that might not be readily apparent to first-time owners. |
Young CouplesFinancial Protection Unexpected repairs can strain young couples' finances. Warranties offer backup and prevent major financial burdens. Convenience Warranties handle repair arrangements, saving time and effort, which is especially valuable for busy couples. Negotiation leverage Some plans offer discounts on covered repairs, potentially saving even more. |
Lower-Middle-Class FamiliesAffordability Some plans are relatively affordable, offering valuable protection without breaking the bank. Reduced Financial Stress Prevents large, unexpected repair bills that can derail budgets for lower-income families. Access To Qualified Technicians Warranties ensure repairs are done by qualified professionals, potentially saving money on quality work. |
Old-Aged PeopleReduced Stress Warranties handle claim processes and repairs, alleviating stress and worry for technology-uncomfortable individuals. Avoidance Of Scams Warranties provide pre-vetted technicians, reducing the risk of falling victim to home repair scams. Accessibility Some companies offer phone-based customer service for those less comfortable with online platforms. |
It is essential to understand the risk profile each type of home warranty poses, and the general red flags in the industry to identify trustworthy home warranty companies
The table below shows the risk assessment of different types of home warranty companies in the industry:
Characteristics
Risk Factors
Examples
American Home Shield, Choice Home Warranty, and First American Home Warranty
Characteristics
Risk Factors
Examples
HomeServe USA, Liberty Home Guard, and Select Home Warranty
Characteristics
Risk Factors
Examples
SilverBack Home Warranty, Everything breaks, Ibex Home Warranty, and United Home Warranty
Characteristics
Risk Factors
Examples
Globe home warranty, Superior Home Warranty, and Utilipro
Here are some of the potential red flags to be aware of:
Here are some essential points to remember to identify trustworthy companies:
By following these tips and researching, you can increase your chances of finding a trustworthy home warranty company and avoid falling victim to scams.
HomeWarrantyReviews.com, a trusted name in the industry for decades, lets customer voices shine through its annual awards. Combining real-world experiences with expert analysis, these awards highlight the providers that homeowners truly trust.
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Step 1
A service request is filed online or through a call after a home system or appliance breaks down
Step 2
The service request gets processed and a technician gets assigned
Step 3
The technician checks the equipment, and suggests a repair or replacement.
Step 4
If the equipment is unrepairable, the company will be liable to replace it.
Step 5
Once the repair or replacement is done, you will get a fully functional system or appliance.