If you’re wondering if you have a home warranty or not, here are a few ways to check:
- Ask the Seller: If you recently bought a home, the easiest way to find out if it has a home warranty is to ask the seller directly. They can tell you who the warranty provider is and how much time remains on the plan.
- Contact Local Warranty Providers: If you’re unsure which company might be covering your home, call the major home warranty companies in your area. They can check their records to see if your address is covered under an existing contract.
- Check Past Service Records: If any of your appliances or systems were serviced recently, contact the service provider to see if a home warranty company arranged the work order. This can help you trace any active policies.
Should You Get a Home Warranty If You Don’t Have One?
If your home isn’t covered, consider purchasing a home warranty. Unlike homeowners insurance—which covers sudden and accidental events like fire or severe weather—a home warranty helps pay for repairs and replacements of key systems and appliances that wear out due to normal use. This can significantly reduce out-of-pocket expenses and provide peace of mind if something breaks down unexpectedly.
