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When it comes to purchasing a new home, one of the most important decisions you'll make is choosing a home warranty. While some people may think that home warranties are only for older homes or high-end appliances, there are many benefits to having a comprehensive home warranty.
Before purchasing a home warranty, make sure to carefully review the coverage and exclusions. Most home warranties cover repairs for major appliances such as the oven, refrigerator, dishwasher, and washing machine. However, some may exclude smaller items like light fixtures or ceiling fans.
Not all home warranties are created equal. When researching different warranties, make sure to compare the coverage, deductibles, and payment terms. Some warranties may offer additional benefits like maintenance and repair services or emergency coverage.
Home warranty costs can vary widely depending on the size of your home, number of occupants, and level of coverage. As a general rule, you'll want to budget around $500-$1000 per year for most homeowners.