What are Home Warranties And How Are They Different from Home Insurance?


Home Warranties provide sufficient protection to homeowners who live in a home that requires repairs or contains appliances that are comparatively older. Homeowners wishing to sell their home in a few months’ time or within a year prefer to take home warranty, as it would protect them when their house is in the market. Once their house is sold, they will transfer this to the new buyer so he can avail the benefits of the same if he needs to conduct the repairs within the first year of moving in. The cost for purchasing a home warranty would of course be dependent on what all features you need with it. Basic warranty ranges from $100-$300, however, adding features would range from $350-$500.

Home warranties are different from home insurance and having one will not give you the same benefits as the other. So you must have them both. Mortgage lenders are not bothered whether you have a home warranty or not, but it would matter to them if you do not have a home insurance. A home insurance protects the home should any damage happen to it. But if your appliances break down, then the homeowner’s insurance will not cover it. And they would usually not cover any pre-existing condition of a used appliance in your home as well.

However, home sellers consider it a boon to have home warranty because it would protect them when appliances break down or when their house requires costly repairs. Many service providers offer home warranties, so all you need to do is contact them, do a comparative study of their rates and choose the most feasible one. When an appliance breaks down or you need to do house repairs, you can just contact the service provider and they would help. However, in most cases, they would send a repairperson. Here are some of the basic things covered by home warranty:

  • Water heaters
  • HVAC system and its components
  • Sump pump
  • Plumbing
  • Kitchen appliances
  • Ceiling fans
  • Garage door remote
  • Washer and dryer

Home warranties are required only for existing homes and not for new homes because in most cases, new construction homes have appliances and mechanical/electrical devices that would be covered by the builder himself. These devices would be covered for a period of 6-12 months, so you don’t have to take a special warranty.

Contact Us

Zykor Homes, Inc.

7918 El Cajon Blvd.
Ste. N321
La Mesa, CA 91942

Phone: (619) 467-4104


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