Question 1

Is a home warranty worth it?

Accepted Answer

It depends on your home’s age and appliance condition. Warranties make the most financial sense for homes with older systems (10+ years) where replacement is likely within the coverage period. Average cost: $350–$600/year. Average claim payout: $1,000–$3,000+.

Question 2

What does a home warranty cover?

Accepted Answer

Most plans cover major systems (HVAC, plumbing, electrical) and appliances (dishwasher, oven, washer/dryer). Premium plans add roof leak repair, pool/spa equipment, and additional coverage. Pre-existing conditions and improper maintenance are typically excluded.