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What’s Included in a Home Warranty (and Is It Worth It?)

When you’re buying or owning a home, unexpected repairs can be stressful and expensive. That’s where a home warranty comes in. Many buyers (and even sellers) wonder: What does it actually cover? And is it really worth the cost? Let’s break it down.


What Is a Home Warranty?

A home warranty is a service contract that helps cover the repair or replacement costs of major systems and appliances when they break down due to normal wear and tear. Unlike homeowners' insurance, which covers damage from events like fire, theft, or natural disasters, a warranty focuses on internal systems and appliances.


What’s Typically Covered?

Coverage varies by provider and plan, but most home warranties include:

  • Major Systems: HVAC, plumbing, and electrical.

  • Appliances: Refrigerator, oven, dishwasher, built-in microwave, and washer/dryer.

  • Water Heaters: Tank or tankless units.

  • Optional Add-Ons: Pools, spas, septic systems, and well pumps.


What’s Usually NOT Covered?

It’s important to read the fine print. Most warranties don’t cover:

  • Pre-existing issues.

  • Cosmetic damage (like dents or scratches).

  • Improperly installed systems/appliances.

  • Routine maintenance.


Pros of a Home Warranty

✅ Peace of Mind: Unexpected breakdowns don’t have to break your budget.

✅ Convenience: One call to the warranty company gets the repair scheduled.

✅ Buyer Confidence: Many buyers feel more comfortable purchasing a home with a warranty in place.

✅ Budget Protection: Especially helpful in the first year of homeownership when cash may be tight.


Cons of a Home Warranty

❌ Service Fees: You’ll pay a deductible/service call fee (often $75–$125) for each visit.

❌ Coverage Limits: Reimbursements may be capped per item.

❌ Wait Times: Repairs may take longer compared to hiring your own contractor.

❌ Not All Repairs Covered: If the problem doesn’t fall under the warranty terms, you’re on your own.


So, Is It Worth It?

For many buyers and investors, a home warranty provides an extra layer of financial protection, especially when moving into a property with older systems or appliances. Sellers can also use it as a selling point, giving buyers added confidence.


However, if your home already has newer appliances and recently updated systems, you may decide the cost outweighs the benefits.


Bottom Line

A home warranty isn’t a one-size-fits-all solution, but it can offer valuable peace of mind — particularly for first-time buyers, sellers looking to make their home more marketable, and investors managing multiple properties. The key is to compare plans carefully and understand exactly what’s covered.


Your NorCal Realtor

M&M Real Estate

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Cell: Call/Text 707-330-2324


About Scott Sweeney


SweeneySells

Full Time Realtor 13 Years +

Over 100 Families Served

Top 5% Producing Agent

Buying & Listing Specialist

Contract & Negotiation Ninja

CSUS Business & Marketing Graduate 2006


With quickly serving over a 100 families, Scott Sweeney has become a top 5% producing Realtor in the greater Sacramento area who has helped clients from the Bay Area to South Lake Tahoe. Scott has a Bachelor Of Science in Business Administration, with a concentration in Marketing from CSUS. His education, and extensive background in the hospitality, marketing, and real estate industries, have helped Scott to become one of the leading, and most sought after agents in the area.


Reach out to SweeneySells today, and take the first step towards your real estate goals!

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