Getting the Facts on Home Warranty Insurance

If you're in the process of purchasing a home you may be offered the opportunity to purchase home warranty insurance. Is this coverage right for you?

A home warranty policy will pay for repairs or replacement if certain appliances and systems in your home break down within a year of your home purchase. It usually includes appliances like your water heater, refrigerator and stove and oven. Some policies may even include coverage for large systems like air conditioning and heating and for smaller systems like doorbells and phone and electrical wiring.

If home warranty insurance sounds like something that you'd like to have, don't settle for the first policy you're offered. You may be able to find better rates and coverages on policies if you do some shopping around.

What to Look for in Home Warranty Insurance
As you compare home warranty insurance policies make sure that you understand just what is covered and what is excluded in each. Some may require that you pay a small fee whenever you call for service. Others may not cover service calls if they determine that the problem with the appliance comes from lack of standard maintenance. If an air conditioning system fails because you've neglected to regularly change the filters, for example.)

These exclusions may be contained in the fine print of the policy, so before you sign any agreement, make sure that you have read it carefully so that you understand just what service you are getting for you premium payments.

Saving Money on Home Warranty Insurance
Once you have a good handle on the basics of this insurance, you'll want to find the best coverages at the best rates. That's where can come in handy.

With you can eliminate calling around to various insurance agencies to ask if they offer home warranty insurance. When you're getting ready to move to a new home, that's the last thing you need to be doing!) Just go to and fill out the quote request form. Within a few days you'll get back quotes from several of the top insurers in your area. Just review the coverages and the rates and choose the one that suits you best. makes the process of finding the insurance you need to protect your new home's systems fast and easy. That means you can spend your time preparing for moving day rather than looking for insurance coverages.

See how much you could save today on your home insurance. Get your free home insurance quotes today!