Florida Home Warranties: Are They Worth It for Buyers?
Florida Home Warranties: Are They Worth It for Buyers?
When buying a Florida home, especially an older one, you may be offered a home warranty as part of the deal.
But what exactly does it cover—and is it worth it?
Here’s what Florida buyers should know.
What Is a Home Warranty?
A home warranty is a service contract, not insurance. It covers repair or replacement of certain home systems and appliances due to wear and tear.
Commonly Covered Items
Depending on the plan, coverage often includes:
- HVAC system
- Plumbing and electrical
- Water heater
- Kitchen appliances (oven, dishwasher, microwave)
- Washer and dryer
Some plans offer add-ons for:
- Pools/spas
- Septic systems
- Roof leak coverage
What’s NOT Covered
Typical exclusions include:
- Pre-existing conditions
- Improper maintenance or code violations
- Cosmetic issues
- Structural problems
Read the fine print. Not all policies are equal.
What Does It Cost?
In Florida, home warranties typically cost:
- $350–$650/year, depending on coverage
- $75–$125 per service call (every time a technician is sent)
Some sellers include them as buyer incentives.
Are They Worth It?
A home warranty can be worthwhile if:
- The home has older appliances or systems
- You want cost predictability in the first year
- You want a backup plan if something breaks soon after moving in
They may be less useful if the home is new or recently renovated.
How to Choose a Home Warranty Company
Look for:
- Florida licensing and reputation
- Clear contract terms
- Prompt claim response reviews
- Strong contractor network
Avoid companies with vague exclusions or poor customer service ratings.
Final Thought
Home warranties aren’t a substitute for a good inspection—but they can offer peace of mind in year one.
📞 Call Michael Renick at 941.400.8735 to explore whether a home warranty makes sense for your Florida purchase.
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