I closed on a house recently and my real estate agent bought a year of home warranty as a thank you/home welcoming gift. I’m well aware that home warranties are a scam and would never have purchased one myself. The house was neglected by the previous owners and there are a bunch of small repairs that I’ve had to make throughout.
Predictably, every home warranty claim I’ve made has been rejected by the company, since they are claiming they were preexisting issues that started before my purchase. (Which, to be fair, they are.)
However, I’m finding that it’s been extremely useful to use the warranty service to diagnose issues that I’m not familiar with, which I then fix myself.
Basically I make a claim with the home warranty, they send out a technician to look at the issue, he diagnoses it and files a report with the company, they reject the claim, then I use that report to fix whatever’s going on. The callout fee is $75, which has been absolutely worth it since I don’t have the knowledge or specialized equipment to diagnose these issues, and the alternative would be to hire someone to fix them for me.
Some examples I’ve used it for so far:
- Dishwasher: needed a replacement heating element
- Hot water heater: needed replacement lower heating element
- Leak from upstairs bathroom into room below: replace wax ring on toilet (this was especially useful because I was positive the issue was stemming from the shower)
- HVAC: poor air circulation, vents needed cleaning
Another thing that has been extremely helpful is that I can make these claims through their online portal, and they find and schedule the plumber or HVAC tech for me. Saves me the time of calling around to find someone who’s available.
To be fair, the home warranty also rekeyed the locks in my house, which a couple locksmiths had quoted for $200. So I did gain $125 in legitimate value from them, which maybe offsets the cost of the callout fees above.
Based on my experience, I would definitely not recommend a home warranty service, which most people here probably already know, however it has still been helpful for me.