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Home Warranty.. Yes or No?

It is more and more common for people to be offered home warranty coverage when they buy a new home. Although both home warranties and home insurance can provide you with coverage when an emergency comes up, the two are very different.

Your home insurance policy is not a home warranty, Whether you are a first time home buyer, moving into your second or third home, a new condo or even you are selling your home, you may want to learn about the advantages of a home warranty to help you decide if you should purchase one in addition to your home insurance.

What is a Home Warranty?

The home warranty is a product that is meant to cover different aspects of your home and help you out financially if you need to make repairs. A home warranty is like a service and sometimes replacement contract on key items in your home.

Basically, if you have a home warranty on your home, then you have a service contract to help if you need to do costly repairs or in some cases, if you have to replace contract specified items in your home.

Manufacturers warranties are similar in concept, except they cover specific appliances or items for a specified term, the home warranty applies to a selection of multiple items in your home depending on your contract.

For example, some warranties will cover everything from HVAC systems, plumbing, fancy appliances, to equipment and their motors, depending on coverage options. You can choose from very basic home warranty coverage to very extensive coverage depending on your needs, budget and how much of a risk you think you might have.