Published by Paradox M LLC
12 Questions to Ask Before You Buy a Home Warranty
Use this list to compare providers apples to apples and avoid surprises after you sign.
The best time to find out how a home warranty works is before you pay for it. Keep this list handy when you talk to providers.
About coverage
- Which systems and appliances are included in each plan?
- What are the coverage caps per item and per year?
- Are unknown pre-existing conditions covered?
- What's excluded, such as permits, code upgrades or access costs?
About costs
- What is the service fee, and can I choose a different one?
- Is the price monthly or yearly, and are there discounts for paying in full?
- What happens to my price at renewal?
About service
- How quickly will a technician be assigned?
- Can I use my own licensed contractor?
- What's the repair guarantee on parts and labor?
- If an item can't be repaired, will you replace it or offer cash?
About the contract
- What are the cancellation and refund terms?
One more step
Check the company's license or registration in your state with our state regulation guide and read reviews from several sources. Then use our tool to compare home warranty quotes side by side.
Related reading
- Is a Home Warranty Worth It? An Honest Way to Decide
A home warranty is a great fit for some homes and a poor fit for others. Use this simple framework to decide for yours.
- What Does a Home Warranty Cover? Systems, Appliances and Add-Ons Explained
A home warranty covers repairs and replacements for home systems and appliances that break down from normal wear — but only the items your plan lists, and only under the contract's caps and exclusions. Here's how to read what's actually covered.
- Just Bought a Home? How to Choose a Home Warranty for Your First Year
New homeowners face unknowns with every appliance and system. Here's how to decide whether a first-year home warranty fits.