🔧 What Is a Home Warranty — and Should You Get One?
Buying a home is exciting — but once you move in, the reality sets in: if something breaks, it’s all on you. That’s where a home warranty can offer peace of mind.
So what exactly is it, and is it worth it? Let’s break it down.
🛠 What Is a Home Warranty?
A home warranty is a service contract that helps cover the cost of repairs or replacements for major home systems and appliances that fail due to normal wear and tear.
It’s not the same as homeowners insurance — insurance covers damage from events like fire, storms, or theft. A home warranty covers things like:
HVAC systems (heating & cooling)
Plumbing and electrical systems
Water heater
Kitchen appliances (stove, oven, dishwasher, etc.)
Washer & dryer
Depending on the company and plan, it may even cover things like garage door openers, ceiling fans, or your refrigerator’s ice maker.
💡 How Does It Work?
If something breaks, you contact your home warranty provider. They’ll send out a local technician, and you’ll usually pay a service call fee (like a co-pay). The warranty company covers the rest — or helps replace the item, depending on the coverage.
✅ Why Should You Consider One?
Especially if you're a first-time buyer, or buying an older home, a home warranty can:
Save you money on unexpected repair bills
Help you avoid the stress of finding contractors
Offer peace of mind during your first year of ownership
Be a safety net if you don’t have a large emergency fund yet
🚫 When a Home Warranty Might Not Be Needed
If you’re buying new construction, appliances and systems may already be under manufacturer warranties. Also, keep in mind that a home warranty won’t cover pre-existing issues — so it’s still important to get a proper home inspection before closing.
💬 Final Thoughts
A home warranty isn’t required, but it can be a smart option — especially for that “just in case” moment when your A/C gives out in the middle of a Southwest Oklahoma summer.
Want help deciding if a home warranty makes sense for your situation? I’m happy to walk you through your options and even connect you with trusted providers.
Call or text me anytime: 580.210.8821