Buying a Home on a Private Road in East Tennessee: What You Need to Know Before You BuyBy John S. Wagner, Affiliate Broker/Realtor®Weichert, Realtors® - Saxon ClarkServing Kingsport, Johnson
The Basics Of Home Warranties
Dated: June 12 2025
Views: 92
🛠️ What Is a Home Warranty?
A home warranty is a service contract (not insurance) that covers the repair or replacement of major systems and appliances in your home due to normal wear and tear.
📌 Think of it as protection for your budget, not your home's structure—that’s what homeowner’s insurance is for.
🧰 What Does a Home Warranty Typically Cover?
Coverage varies by provider and plan, but generally includes:
✅ Appliances
Dishwasher
Oven/range/cooktop
Refrigerator (sometimes optional)
Built-in microwave
Washer/dryer (if included)
✅ Home Systems
HVAC (heating and cooling)
Electrical system
Plumbing system
Water heater
Ductwork
📌 Optional upgrades may cover: pool/spa equipment, septic systems, roof leaks, or well pumps.
🚫 What’s Usually Not Covered?
Pre-existing conditions
Cosmetic damage (scratches, dents)
Improper installation or lack of maintenance
Outdoor systems (unless added to the plan)
Structural issues
Always read the fine print!
💲 How Much Does a Home Warranty Cost?
Annual Fee: $300 – $700 (varies by coverage level)
Service Call Fee: $75 – $150 (paid per technician visit)
📌 Even with coverage, you’ll pay a flat fee per claim when a technician comes out.
🏠 Home Warranty Benefits
🔒 For Buyers:
Peace of mind against unexpected repair costs
Helps cover expenses in the first year of ownership
Especially helpful for older homes with aging systems
💼 For Sellers:
Makes your home more attractive to buyers
May protect you from post-sale complaints
Some sellers offer it as an incentive to close
⚖️ Home Warranty vs. Homeowners Insurance
| Feature | Home Warranty | Homeowners Insurance |
|---|---|---|
| Covers structural damage? | ❌ | ✅ |
| Covers wear & tear? | ✅ | ❌ |
| Required by lender? | ❌ | ✅ Usually |
| Helps with appliances? | ✅ | Only if caused by covered event |
📝 Things to Consider Before Buying
Age and condition of home systems
What’s already covered by manufacturer warranties
How reliable the warranty provider is (check reviews and BBB ratings)
Read the contract terms carefully, especially limits on coverage amounts
✅ Final Takeaway
A home warranty can be a valuable financial safety net, especially for first-time buyers or those moving into an older home. However, it’s important to understand what’s covered—and what’s not—before committing.
John Wagner
John is a dedicated real estate professional serving the Tri-Cities of Northeast Tennessee.John was born and raised in Kingsport, Tennessee, and is a graduate of Sullivan Central High School. Although....
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