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











