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Old 11-15-2007, 12:51 AM   #1
todd_k
 
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Anyone have a home warranty? Our agent bought us one for 1 year when we bought our house and it is soon up for renewal. It's $456 for a year through American Home Shield. I'm interested in anyone's experiences with these warranties and if you think they are a good idea. My house is 10 years old.

 
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Old 11-15-2007, 12:52 AM   #2
Ó Flannagáin
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I don'tknow a lot about homes, but I know a buddy of mine bought one that worked great, until about a year down the road. The main pipe that ran from his house to the main sewage had a tree root go through it and it got clogged up. So, if there's a way to make sure that's covered, I'd check into it. It's expensive as hell to repair. ... probably way off topic though, I'm not a homeowner .. yet

 
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Old 11-15-2007, 12:56 AM   #3
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Quote:
Originally Posted by todd_k
Anyone have a home warranty? Our agent bought us one for 1 year when we bought our house and it is soon up for renewal. It's $456 for a year through American Home Shield. I'm interested in anyone's experiences with these warranties and if you think they are a good idea. My house is 10 years old.
Is this different from homeowner's insurance? I pay about $200 for that, so it must be something different...
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Old 11-15-2007, 12:57 AM   #4
Ó Flannagáin
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Quote:
Originally Posted by Soulive21
Is this different from homeowner's insurance? I pay about $200 for that, so it must be something different...
My buddy's home insurance wouldn't cover his pipes.

 
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Old 11-15-2007, 01:00 AM   #5
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I'd be interested if it covered the stuff outside my house...
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Old 11-15-2007, 01:00 AM   #6
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I had one for a year, the sellers bought it. Read over it carefully if you decide to extend, they can be somewhat limited (doesn't cover the roof, etc.) and if you make a claim there is usually a deductible. So if one thing goes wrong on average I don't think it is worth it but if two things go wrong then maybe. But, for much less you can add some coverage to your homeowners insurance.

We did not extend ours and our house is 20 years old.

You don't have polybutylene plumbing do you?

 
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Old 11-15-2007, 01:00 AM   #7
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Yeah, it's different. It's for appliances, furnace, AC...things that come with the house when you buy it.

We bought one our first year (28 year old home) and got our money back plus some after the furnace went and the water heater.

It's insurance...both sides are playing the odds.
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Old 11-15-2007, 01:02 AM   #8
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Quote:
Originally Posted by homebrewer_99
Yeah, it's different. It's for appliances, furnace, AC...things that come with the house when you buy it.

We bought one our first year (28 year old home) and got our money back plus some after the furnace went and the water heater.

It's insurance...both sides are playing the odds.
Wait, so in general what does the warranty cover and what does insurance cover?
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Old 11-15-2007, 01:06 AM   #9
BlindLemonLars
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If you have an older house, with old heating/cooling/appliances, it's a VERY good thing. Has anybody priced new furnaces lately?

 
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Old 11-15-2007, 01:06 AM   #10
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Quote:
Originally Posted by Soulive21
Wait, so in general what does the warranty cover and what does insurance cover?
Think about it in terms of cars...
AC goes out: warranty
crash into wall: insurance

 
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