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Every home warranty has exclusions, that part’s not a secret. What’s harder is actually finding out what yours are before you need them, since almost nothing about the exclusions shows up on the page that’s trying to sell you the plan. This isn’t a list of the usual suspects, we’ve covered that ground already elsewhere. … Read more

Alright, quick answer since that’s what you’re here for: you’re looking at $350 to $900 a year. But that number alone doesn’t tell you much, because it’s not the number that actually determines whether you come out ahead or not. There’s a second cost almost nobody budgets for: a service fee every single time you … Read more

I get why people ask this, and honestly, I don’t think it’s a dumb question at all. Enough people have had a bad experience, paid a company for a year, filed a claim, got denied, and felt like they got taken for a ride, that the question deserves a real answer instead of a defensive … Read more

A home warranty isn’t the only way to handle repair costs, and honestly, for a good chunk of homeowners it’s not even the best way. Once you’ve dealt with a denied claim, run into a payout cap that didn’t cover what you needed, or looked closely at what a home warranty actually costs once service … Read more

If your house has some age on it, you’ve probably wondered about this more than most people. Older homes come with systems that are closer to the end of their life, and that makes a warranty sound like exactly the safety net you need. But older homes also come with a wrinkle that newer houses … Read more

Everyone throws around the phrase “covers your major systems and appliances,” but that’s about as useful as a sticker on a box. What actually falls under that umbrella, and what doesn’t, is where the real answer lives, and it’s worth walking through system by system instead of just trusting the marketing summary. The systems that … Read more

I run into this mix-up constantly, and honestly, the names don’t help. They sound similar enough that people assume they’re roughly the same product with different branding, and then a claim gets denied for something they assumed was covered, and that’s usually the moment they realize these two things were never doing the same job … Read more

Most people buy a home warranty during that first year without thinking too hard about it, it feels like cheap peace of mind at the time. The real decision happens later, when that renewal notice shows up and you’re actually sitting on a full year of real experience instead of just a sales pitch. That’s … Read more