You will also find that any repairs that you have done, including replacements, will then affect your home warranty. You have protection in knowing that all your appliances will be properly maintained and cared for. You have protection in knowing that you and your family are covered in an accident or home emergency. That peace of mind is well worth investing into. When you buy your warranty, you will have a window in which you can decide if the warranty is for you. You have a chance to review it, usually 30 days from the signing date, and decide if it will be enough or if you will need an extended warranty. We may go for several years without filing a claim, just as you might with your health insurance.
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Department of Housing and Urban Development.