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Protect Your Investment with a Home Warranty

Buying a home is one of the biggest purchases most of us will ever make. While you can research many things ahead of time, some issues are hard to predict.

Did you know?
An average down payment is typically 3-5%. But if you want to avoid private mortgage insurance (PMI), you’ll likely need to put down 20% — which is a lot of cash for many buyers.

Why Consider a Home Warranty?

A home warranty offers protection against the unexpected failure of major appliances and home systems such as plumbing, heating, and cooling.

Who needs one?
Every homeowner can benefit from a home warranty, especially if your appliances or systems are older or out of manufacturer warranty.

What Does a Home Warranty Cover?

Common appliances and systems covered include:

  • Dishwashers

  • Ovens, ranges, cooktops

  • Refrigerators

  • Garbage disposals

  • Furnaces

  • HVAC systems

  • Plumbing systems

  • Electrical systems

Additional coverage options (often at extra cost):

  • Roof leaks

  • Pool and spa equipment

  • Ductwork

  • Septic systems

  • Ice makers

What Isn’t Covered?

  • Cosmetic damage like scratches or dents

  • Pre-existing conditions

  • Appliances or systems not up to code

Cost & Duration

Costs vary — it’s important to shop around and compare quotes. For ballpark figures, check out this helpful article:
Home Warranty Cost Guide

Typically, home warranties last for one year and can be renewed annually.

How to Buy a Home Warranty

  • Discuss options with your realtor—they can recommend trusted companies and help you find coverage tailored to your needs.

  • Evaluate your home’s condition: Do you have older appliances? Any active manufacturer warranties?

  • Carefully read and understand the contract before purchasing.

Final Tips

  • Don’t just buy a warranty because you were sold on it—make an informed decision based on your home’s needs.

  • A warranty can provide peace of mind and save you money on costly repairs down the road.

Questions about home warranties or buying a home?
Reach out anytime — I’m here to help!

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