# **5 Reasons for Getting a Home Appliance Warranty** A home warranty company pays to repair or replace covered appliances and systems that break down from normal wear and tear. It’s important to choose a company that offers a clear contract with well-defined terms and conditions, clauses, and exclusions. Getting a [home warranty in California](https://www.cinchhomeservices.com/faq-library/-/faq/home-warranty-california) provides several advantages, including convenience and peace of mind. Ultimately, the long-term cost is routinely less than replacing an appliance or system. **1. You don’t have to worry about unexpected expenses** It’s no secret that appliances and home systems break down from time to time. Luckily, a home warranty company can help you cover the costs associated with these breakdowns. Depending on your plan, home warranties offer different levels of protection. Some, like system plans, focus on key home systems like heating and cooling, ductwork, plumbing and electrical while others, such as appliance-focused plans or combo plans, provide more comprehensive coverage of kitchen appliances and other essential home components. Before deciding whether to repair or replace an appliance, the home warranty company will send a professional to examine the unit and determine if it is irreparable. If it is, the company will replace it with a similar model. Unlike home insurance, they do not usually guarantee the exact brand or model. **2. You don’t have to worry about getting ripped off** Many people are skeptical of home warranty companies and worry that they are trying to rip off homeowners. However, the truth is that a home warranty company can actually save you money in the long run. Here’s how it works: When a covered appliance or system breaks down, you call your home warranty provider and submit a service request. They then send a technician to your home to assess the problem. Then they will either repair or replace the appliance or system. You pay a flat fee for the service call, which is usually included in your plan. You may also want to consider getting a home warranty if you have recently purchased a new home or the manufacturer’s warranties have expired on existing appliances and systems. You can even ask your mortgage lender if you can roll the cost of a home warranty into your mortgage payments. **3. You don’t have to worry about wasting time** Having a home warranty saves you time since you don’t have to spend your valuable time collecting recommendations and hiring tradespeople yourself. All you have to do is make a call to the company and they’ll take care of everything else for you. But it is important to remember that home warranties come with limitations and exclusions. For example, some providers won’t cover appliances that break down due to poor maintenance or an age-related issue. However, if you’re looking for a way to save money and keep your home systems and appliances in good shape, it is recommended that you schedule regular maintenance for them. This will keep them in great condition and help you avoid costly repairs in the future. **4. You don’t have to worry about wasting money** [Home warranties](https://newsbreak.com/@asad-1759725/3167883758023-10-home-maintenance-tips-for-first-time-homeowners) are often recommended for new homeowners who want protection against the cost of appliances and systems that could break down due to normal wear and tear. They can also be beneficial for existing homeowners who are nearing the end of their manufacturer’s warranty or if they plan on selling their home and want to make it more attractive to potential buyers. Ultimately, home warranties are worth the money for many people because they can save them from the financial strain of paying for costly repairs or replacements. However, it is important to choose a provider that offers a clear contract with well defined terms and conditions, clauses and exclusions so that there are no surprises when it comes time to pay for service. **5. You don’t have to worry about getting your appliances repaired** A home appliance warranty gives you peace of mind that your appliances will be taken care of when something breaks. This can save you a lot of money over time because you won’t have to deplete your emergency fund. However, a home warranty isn’t insurance and it can’t cover cosmetic issues like nicks and scratches that are not related to the functionality of an appliance or system. Also, if you purchase a home warranty before buying a new home, be sure to read the contract carefully. Many companies will exclude items that are covered by a manufacturer’s warranty or weren’t properly maintained. You also may have to pay a deductible or service fee each time an item is repaired. That’s why it’s important to follow good maintenance practices like regularly cleaning your refrigerator coils and keeping a clean lint trap.