Home warranties are optional — but they can provide peace of mind, especially for older homes.
What they typically cover:
- HVAC systems
- Electrical and plumbing
- Appliances (oven, dishwasher, washer/dryer)
- Water heater
Pros:
- Limits out-of-pocket repair costs
- Covers unexpected breakdowns
- Easy to budget annually
Cons:
- Not all issues are covered
- You may have limited contractor options
- Service fees apply per claim
Some sellers offer a home warranty as an incentive. Buyers should read the fine print and decide if it makes sense based on the property’s age and condition.
