If your AC unit or water heater is nearing the end of its life, a warranty is likely a smart move.

HVAC systems, electrical, plumbing, water heaters, and major kitchen appliances like refrigerators and dishwashers.

Usually $300–$600 per year or $45–$60 per month .

These are optional add-ons for things like pools, septic systems, or roof leaks. 5. Timing the Purchase

Look for "coverage caps"—the maximum amount the company will pay for a single repair.

Look for Better Business Bureau (BBB) ratings and local complaint ratios to see how they handle claim denials.

A home warranty is a service contract that covers the repair or replacement of major home systems and appliances due to .