Home Warranty Checklist

Key Considerations Before Choosing

• Coverage Needs: Do you want appliances only, systems only (HVAC, plumbing, electrical), or a combo plan?
• Service Fees: Typically range from $75–$125 per claim. Lower fees may mean higher monthly premiums.
• State Availability: Not all companies operate nationwide.
• Customer Service: Look for companies with high satisfaction ratings and easy claim processes.
• Budget Predictability: Plans average $30–$70 per month but can save thousands on major repairs

Risks & Trade-Offs

• Exclusions: Pre-existing conditions, improper maintenance, or cosmetic issues often aren’t covered.
• Claim Denials: Some customers report disputes over whether damage qualifies. Always read the fine print.
• Service Delays: Response times vary; check reviews for reliability in your area.
• Cost vs. Benefit: If your appliances are new and under manufacturer warranty, a home warranty may overlap unnecessarily.

Action Steps

1. List your top repair concerns (HVAC, kitchen appliances, plumbing).
2. Compare coverage limits—some companies cap payouts at $2,000 per item, others higher.
3. Check California availability since not all providers cover every state.
4. Request free quotes from at least 3 companies to compare real costs.