When a home warranty is worth it. They can protect against expensive repairs. Sometimes warranties are simply necessary for covering overpriced repairs. The cost of a home warranty premium may be far less than what you might pay to repair or replace a major appliance out of pocket.
That could be worth the price if the repair value is more than you paid for. Also, call the company yourself to make sure that they got the work.
Deciding Whether Home Repair Warranties Are Worth the Cost. Initially it ran us about $300 a year with a $35 fee per repair visit. The premium and the visit fee increased every year until recently, when I took the time to shop around and find a better deal. However, even with lower rates, looking at the math over the last 10 years,
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Ultimately, home warranties are a statistical game, and home owners are usually the losers. For example, you pay $500 for a year’s coverage. The odds are in the company’s favor that you will not have a claim above $500, otherwise, they wouldn’t make any money.
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While home insurance covers the structure(s) of your home, a home warranty covers the systems and appliances within it. In exchange for paying a monthly or annual premium, your home warranty provider will repair or replace appliances and systems when they fail – subject to specific limitations, as laid out in your contract.
Home Warranties Are They Worth It – Protect your home with our home warranty plan. We will cover from unexpected repairs or breakdowns of your home’s appliances.
Others, though, don’t believe they’re worth the cost. "I would say it’s probably not worthwhile to get an extended warranty unless there is no way that normal maintenance will be done [on the appliance]," says James Wright, a home inspector with Western Reserve Home Inspection in Cleveland.
Shelton received the HMS home warranty when he purchased his Sterling, Virginia, home and used it twice before for small repairs. But when his A/C broke, he says HMS only would cover a portion of the total fee. "The repair cost more than $1,000, but HMS only wanted to pay $250," he says.