Drive with Protection
Published on: Mar 31, 2025
4 minutes
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In this comprehensive guide, we’ll answer one of the most common questions homeowners ask:
“What is a home warranty and do I need one?” We'll cover what it includes, how it differs from home insurance, how much it costs, who it’s best for, and the pros and cons of home warranties, so you can make an informed decision.
Want to learn more about smart home protection? Visit the Noble Quote Learning Center
A home warranty is a service contract that helps cover the cost of repairing or replacing major home systems and appliances due to normal wear and tear.
Think:
Unlike home insurance, which covers damage from events like fire, storms, or theft, a home warranty focuses on system and appliance failure due to age or use. That’s why it’s sometimes referred to as “home repair insurance,” even though it’s technically not insurance.
Coverage varies by provider, but most home warranty plans cover:
📌Pro Tip: Before you sign up, read the fine print. Not all failures are covered. For example, many policies exclude pre-existing conditions or breakdowns due to improper installation.
The home warranty cost can vary depending on your location, the size of your home, and your chosen level of coverage. On average:
There are typically three tiers of plans:
Optional add-ons will raise the price, but they might be worth it if you own things like a second fridge, sump pump, or water softener.
While not required, a home warranty can offer real peace of mind, especially in these situations:
If you’ve just poured your savings into a down payment, you might not be financially prepared for a $2,000 furnace replacement. A warranty helps soften that risk.
Older systems = more frequent breakdowns. A home warranty for older homes can offset the cost of frequent repairs.
Some sellers include a home warranty to sweeten the deal. Buyers gain a year of protection while settling in.
If you're not the DIY type, having pre-screened technicians just a call away is a huge plus.
It depends. If you have aging appliances and systems, a home warranty can save you thousands. But if your home is newly built with warranties still in effect, you may not need one immediately.
Let’s break it down:
People often confuse the two. Let’s clear it up:
| Feature | Home Warranty | Home Insurance |
|---|---|---|
| What it covers | Systems & appliances | Structural damage, theft, disasters |
| When it applies | Breakdowns from wear & tear | Sudden, accidental events |
| Examples | Broken dishwasher, AC failure | Fire, storm damage, burglary |
| Who needs it? | Homeowners (especially older homes) | Required by mortgage lenders |
So if your AC dies in July, the home warranty can help. But if a tree crashes into your roof, that’s your home insurance’s job.
Timing matters. Consider getting a home warranty:
Some companies offer waiting periods (typically 30 days), so don’t wait until something breaks!
You want a policy that covers what you need—no more, no less.
Browse third-party reviews and ask neighbors or real estate agents for recommendations. While Noble Quote doesn't offer home warranties (yet!), we encourage smart research.
While home warranties aren't for everyone, they can be a lifesaver for homeowners who want to protect themselves from unexpected repair bills. They offer peace of mind, budget protection, and convenience when things go wrong. Whether you're in New Jersey, exploring coverage for your older home, or simply wondering, “Do I need a home warranty?”, the answer depends on your home’s age, your savings cushion, and your risk tolerance.
Still have questions? Visit our Learning Center for more homeowner tips and resources.
Coming Soon: Noble Quote will soon be offering affordable, comprehensive home warranty coverage—backed by our fast, zero-hassle service promise. Stay tuned.
A home warranty is a service contract that covers the repair or replacement of major home systems and appliances due to normal wear and tear. When a covered item breaks down, you contact the warranty provider, pay a service fee, and they send a technician to fix it. If the item can't be repaired, it may be replaced—subject to plan limits.
No. A home warranty covers repairs or replacements for household systems and appliances that fail due to age or use. Homeowners insurance covers your home's structure and personal belongings from unexpected events like fire, theft, or weather damage.
Most home warranties cover:
The average annual cost of a home warranty ranges from $350 to $700, depending on your home size, location, and coverage tier. Expect to pay a service fee of $75 to $150 each time a technician is dispatched.
Yes, especially for first-time buyers who may not have emergency savings for major repairs. A home warranty can reduce stress and unexpected costs during your first year of ownership.
The best time to buy is right after purchasing a home, when appliances and systems are still working. Many providers won’t cover pre-existing issues or will enforce a 30-day waiting period.
Pros:
Cons:
Yes, most home warranties cover HVAC systems, including central heating, air conditioning, and ductwork. However, not all parts may be included—check your policy for details on coverage limits and exclusions.
Absolutely. Many providers offer home warranty plans for older homes, and it can be especially valuable if your appliances or systems are nearing the end of their lifespan. Just be aware that coverage may be limited for items that are already failing.
Look for:
Every week we showcase three charitable organizations that our donations are sent to. Our clients are able to choose which of these three will receive their gift when they add coverage to their vehicle...
