Looking for a way to handle home repairs without breaking your wallet? A home warranty, sometimes called home protection warranties, can help with that. A home warranty is a service contract that covers the cost of repairs for your home’s systems and appliances when they break down from normal wear and tear. A Patterson home warranty is optional, but most homeowners feel comforted knowing that they won’t have to worry about paying out of pocket for large ticket repairs, like replacing a furnace, which could cost thousands of dollars.