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How to switch home warranties
Quick answer
Quote 3 carriers on identical coverage, line up the new policy first, then cancel the old policy effective the same day the new one starts. Request prorated refund of unused premium.
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Financing options
Most homeowners pay cash for smaller jobs, use a HELOC or home equity loan for larger projects, or take a renovation loan when equity is limited.
Insurance considerations
Homeowners insurance covers sudden, accidental damage from a named peril. Gradual wear and maintenance issues are excluded — a home warranty may help close that gap.
Where to go next
Four pathways to keep going on this question.
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Last updated: 1970-01-01