{"id":110104,"date":"2026-06-01T09:12:36","date_gmt":"2026-06-01T16:12:36","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=110104"},"modified":"2026-06-01T09:43:15","modified_gmt":"2026-06-01T16:43:15","slug":"what-to-ask-when-buying-a-home-warranty","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/what-to-ask-when-buying-a-home-warranty\/","title":{"rendered":"What to Ask When Buying a Home Warranty: 8 Questions Every Homeowner Should Ask First"},"content":{"rendered":"

A home warranty can sound like a safety net for homeowners, especially if you\u2019re <\/span>buying an older house<\/span><\/a>, moving into your first home, or trying to budget for surprise repairs. But not all plans offer the same level of protection, and many homeowners don\u2019t realize how much coverage details can vary until they file a claim.<\/span><\/p>\n

That\u2019s why understanding what to ask when buying a home warranty matters before you sign a contract. From appliance coverage and repair limits to contractor policies and hidden exclusions, asking the right questions upfront can help you avoid costly surprises later.<\/span><\/p>\n

Whether you\u2019re purchasing a <\/span>house in Phoenix, AZ<\/span><\/a> or a <\/span>condo in Chicago, IL<\/span><\/a>, here are the most important questions to ask before choosing a home warranty plan.<\/span><\/p>\n

1. What systems and appliances are actually covered?<\/span><\/h2>\n

This should always be your first question. Some plans only cover major systems like HVAC, plumbing, and electrical, while others include appliances such as refrigerators, dishwashers, ovens, and washers and dryers.<\/span><\/p>\n

However, coverage often comes with fine print. Certain parts, components, or types of damage may be excluded entirely. Ania Dziadon, CEO of EasyFinance<\/a> says, \u201cBefore choosing a home warranty, homeowners should ask exactly which systems and appliances are covered, what exclusions apply, and whether pre-existing conditions are included.\u201d<\/span><\/p>\n

Read>> <\/i>What Does a Home Warranty Cover?<\/i><\/a><\/strong><\/p>\n

Similarly, Paul Watrous, President of <\/span>National Roof Certification and Inspection Association<\/span><\/a> explains, \u201cBefore selecting a home warranty, homeowners should ask exactly what systems and components are covered, what exclusions or maintenance requirements apply, and whether roof leaks or water intrusion are included.\u201d<\/span><\/p>\n

This is especially important today because aging home systems are becoming more expensive to replace. HVAC replacement costs, appliance prices, and labor rates have all risen in recent years due to inflation and supply chain disruptions. A warranty that appears affordable upfront may offer limited value if major repairs fall outside the policy terms.<\/span><\/p>\n

Learn>> <\/i><\/b>Is a Home Warranty Required? What to Consider<\/i><\/b><\/a><\/p>\n

2. Are there exclusions, maintenance requirements, or coverage caps?<\/span><\/h2>\n

One of the biggest frustrations homeowners face with warranties is learning that a repair isn\u2019t covered because of an exclusion hidden in the contract.<\/span><\/p>\n

For example, some providers deny claims tied to:<\/span><\/p>\n