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Buying a home is an exciting milestone, but it also comes with responsibilities—and sometimes unexpected expenses. One option homeowners may consider is a home warranty. While a home warranty can provide valuable protection and peace of mind, it’s not necessary or the right choice for everyone. Understanding how it works and what it covers can help you decide if it’s a good fit for your situation.
What a Home Warranty Covers
A home warranty is designed to cover many of the systems and appliances in your home that aren’t included in a standard homeowners insurance policy. This typically includes:
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HVAC systems (heating, ventilation, and air conditioning)
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Electrical systems
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Plumbing systems
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Certain appliances, like refrigerators, dishwashers, or washers and dryers, if they fail due to age or normal wear and tear
Because it’s a separate service from homeowners insurance, you’ll need to purchase a policy directly through a home warranty provider.
Things to Consider
While a home warranty can help reduce unexpected repair costs, it’s important to be aware of the limitations:
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Service fees or deductibles: Each time you use the home warranty, you’ll be responsible for a service fee or deductible.
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Limited provider network: You must use contractors or service providers contracted through the home warranty company, which may limit your options.
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Not required by lenders: Mortgage companies do not require a home warranty, so it’s an optional purchase.
Is a Home Warranty Worth It?
For many homeowners, a home warranty provides peace of mind, especially for those moving into older homes or properties with appliances and systems nearing the end of their lifespan. For others, the additional cost may not make sense, particularly if you have new appliances or are comfortable handling repairs as they arise.
If you’re unsure whether a home warranty is right for you, our team can help guide you through the options and explain how it may fit your specific situation.
📲 Contact Dana at 806-333-0551 or Johnny at 806-268-0509 for more information.
📩 Email: caprock@uccaprock.com
🌐 Visit: www.uccaprock.com