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Is a home warranty worth it
Quick answer
Home warranties are worth it when your home has 10+ year-old HVAC, appliances, or systems you can't easily afford to replace. They're rarely worth it on new builds or homes already covered by manufacturer warranties.
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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.
Common mistakes
Common mistakes to avoid
- Buying coverage you can't claim
- Ignoring the service-fee structure
- Assuming preexisting conditions are covered
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Last updated: 1970-01-01