How Does A Home Warranty Work For The Average Joe?

A home warranty is a service agreement that covers the repair or replacement of major home system components and appliances.

For a monthly or yearly fee, you can have peace of mind knowing that if something goes wrong with your home’s systems or appliances, you can call on your home warranty company to send out a technician to make the necessary repairs. In this blog post, we’ll explore how a home warranty works for the average Joe. We’ll cover topics like what’s typically included in a home warranty, how to choose a reputable home warranty company, and more.

What is a home warranty?

A home warranty is a service that covers the repair or replacement of major home components and systems. This can include appliances, plumbing, electrical, heating and cooling, and more. As the folks from American Home Shield Florida say, back in 1971, there was no protection for homeowners from the inconvenience or cost of household breakdowns. Home warranties are typically yearly contracts that can be renewed, and they usually have a deductible or co-pay for each service call. Some home warranty companies also offer additional coverage for things like pools, spas, and guest houses.

Keep in mind that a home warranty is not the same as homeowners insurance, which protects your home from things like fires, storms, and theft. Plus, most home warranties only cover items that are considered normal wear and tear; they don’t cover things like structural damage or pre-existing conditions.

How does a home warranty work?

A home warranty is a service that provides repair or replacement coverage for major systems and appliances in your home, like your furnace, air conditioner, electrical system, and plumbing. Most home warranties last for one year and cover items that are not covered by your homeowner’s insurance policy.


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If something goes wrong with a covered item, you simply call the home warranty company and they will send out a qualified technician to fix the problem. The technician will diagnose the issue and if they can’t fix it, they will replace the item. The home warranty company will pay for the labor and parts, up to the limit of your coverage.

Home warranties can be purchased as standalone policies or as an add-on to an existing homeowner’s insurance policy. Some real estate companies even include a year of coverage in their listing agreements. And while there is no law mandating that homeowners have a home warranty, more and more buyers are demanding them.

What are the benefits of having a home warranty?

A home warranty is a service contract that covers the repair or replacement of home appliances and systems when they break down due to normal wear and tear. The average Joe can benefit from having a home warranty in a number of ways:

  • The home warranty company will send a technician to your home to diagnose and repair the issue, which saves you time and money.
  • The home warranty company will oftentimes have a network of pre-screened and qualified contractors that they work with, so you can be assured that you’re getting quality service.
  • In some cases, the home warranty company may even cover the cost of replacement parts or labor if the repairs are not possible.
  • Most importantly, a home warranty gives you peace of mind knowing that your home is covered in case something goes wrong.

How much does a home warranty cost?

A home warranty costs an average of $300 to $500 per year. The price range for a home warranty varies depending on the coverage and the length of the contract. Most home warranties are for one year and cover the major systems and appliances in your home. Some home warranties will cover additional items such as pools, spas, and septic systems for an additional fee. Not to mention, some companies offer comprehensive coverage that will protect your home from almost any repair or replacement need. Also, some companies offer discounts if you purchase multiple years of coverage at once. Keep in mind that the price of a home warranty is almost always worth it when you consider the cost of repairing or replacing a major appliance or home system.

A home warranty is a great way to protect your home and appliances from unexpected repairs and replacements. For a low monthly fee, you can have peace of mind knowing that if something goes wrong, you’re covered. We hope this article has helped you understand how a home warranty works and why it might be a good option for you. If you have any questions, be sure to ask your real estate agent or home warranty provider.

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