By Patton Properties
If you’ve just bought a house—or even if you’ve owned one for years—you might be asking yourself, “Do you need a home warranty?” It’s one of the most common questions we get from clients in Sunset Hills. Let us walk you through what a home warranty really covers, when it makes sense, and how to decide if it’s the right fit for your situation. Our goal is to help you make the most informed choice for your peace of mind and your wallet.
Key Takeaways
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What a home warranty actually covers.
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Who benefits most from a warranty in Sunset Hills.
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Tips for weighing the pros and cons.
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When a warranty may not be necessary.
What Does a Home Warranty Cover?
Understanding what’s included (and what’s not) is the first step in deciding if you need a home warranty.
The Main Components of Home Warranty Coverage
Here’s what most plans typically protect:
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Major appliances
Think refrigerators, ovens, dishwashers, and built-in microwaves. -
Home systems
Coverage often includes HVAC, water heaters, electrical, and plumbing systems. -
Optional add-ons
Some plans let you cover extras like pools, spas, or even septic systems for an additional fee. -
Service call fees and limits
You’ll usually pay a fee for each repair visit, and every warranty has coverage limits per item.
When Does a Home Warranty Make Sense?
A home warranty isn’t for everyone, but it can be a lifesaver in the right situation.
Who Benefits Most from a Home Warranty?
Here’s when we recommend considering a warranty in Sunset Hills:
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First-time homeowners
A warranty can reduce the stress of unexpected repair costs during your first year. -
Homes with aging systems or appliances
If your property has older equipment, a warranty might be worth it for peace of mind. -
Rental properties
Investors sometimes use warranties to streamline repairs and budgeting. -
No emergency savings
If you’re worried about affording a surprise breakdown, a warranty can offer reassurance.
Pros and Cons of Home Warranties
It’s important to weigh both the advantages and the potential downsides before signing up.
What to Consider Before Buying
Here’s our quick take on the pros and cons:
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Pros
Budget-friendly coverage, less stress over big repairs, and often easier access to service providers. -
Cons
Coverage exclusions, service call fees, and sometimes slower response times compared to calling your own contractor. -
Read the fine print
Every plan is different—always review the contract so you know what’s actually included.
How to Decide: Do You Need a Home Warranty?
The answer really comes down to your situation, comfort level, and home details.
Smart Questions to Ask Yourself
Think about these before making your choice:
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How old are your appliances and systems?
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Do you have funds set aside for home repairs?
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Would you rather pay a yearly premium or take your chances with repairs as they come?
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Do you want a simple process for handling repairs, or do you prefer choosing your own service people?
FAQs
Is a home warranty required for buying a house in Sunset Hills?
No, a home warranty is always optional—but it can be a helpful safety net for some buyers.
What’s the difference between home insurance and a home warranty?
Home insurance covers major disasters like fire or storms, while a home warranty covers everyday breakdowns of appliances and systems.
Can I buy a home warranty after closing on my house?
Yes, you can usually purchase a warranty at any time, though some companies have waiting periods before coverage begins.
Contact Us at Patton Properties Today
Still not sure if a home warranty is right for you? At Patton Properties, we help clients in Sunset Hills weigh their options every day, and we’re always happy to share what we’ve learned from real experience in our market.
Reach out to Patton Properties and let us help you decide if a home warranty fits your needs—or guide you toward other smart ways to protect your home. Our job is to make sure you have the knowledge and resources to feel confident about every part of homeownership.
Reach out to Patton Properties and let us help you decide if a home warranty fits your needs—or guide you toward other smart ways to protect your home. Our job is to make sure you have the knowledge and resources to feel confident about every part of homeownership.
