{"id":15970,"date":"2026-07-22T06:42:24","date_gmt":"2026-07-22T10:42:24","guid":{"rendered":"https:\/\/ibuyer.com\/blog\/?p=15970"},"modified":"2026-07-22T06:46:11","modified_gmt":"2026-07-22T10:46:11","slug":"do-you-need-a-home-warranty","status":"publish","type":"post","link":"https:\/\/ibuyer.com\/blog\/do-you-need-a-home-warranty\/","title":{"rendered":"Do You Need a Home Warranty in 2026?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">A home warranty is never required by law or by any mortgage lender. It covers repair or replacement costs for major <strong>home systems<\/strong> and appliances that fail from <strong>normal wear and tear<\/strong>, with annual plans ranging from <strong>$222 to $1,877<\/strong> and averaging <strong>$1,049 per year<\/strong> according to HomeAdvisor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whether a home warranty is worth it comes down to four variables: your home&#8217;s age, the condition of your systems and appliances, the size of your emergency fund, and your tolerance for unexpected repair bills. A $10,000 HVAC replacement hits very differently when you have $800 in savings than when you have $15,000 set aside.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide covers what a home warranty is and what it excludes, whether a home warranty is legally required, how to calculate the break-even cost, the key disadvantages of home warranties, and a six-step decision framework you can use today.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Home Warranty<\/h2><ul><li><a href=\"#h-what-is-a-home-warranty\" data-level=\"2\">What Is a Home Warranty?<\/a><\/li><li><a href=\"#h-is-a-home-warranty-required\" data-level=\"2\">Is a Home Warranty Required?<\/a><\/li><li><a href=\"#h-how-much-does-a-home-warranty-cost-in-2026\" data-level=\"2\">How Much Does a Home Warranty Cost in 2026?<\/a><\/li><li><a href=\"#h-home-warranty-vs-homeowners-insurance\" data-level=\"2\">Home Warranty vs. Homeowners Insurance<\/a><\/li><li><a href=\"#h-when-is-a-home-warranty-worth-it\" data-level=\"2\">When Is a Home Warranty Worth It?<\/a><\/li><li><a href=\"#h-what-are-the-disadvantages-of-home-warranties\" data-level=\"2\">What Are the Disadvantages of Home Warranties?<\/a><\/li><li><a href=\"#h-what-does-dave-ramsey-say-about-home-warranties\" data-level=\"2\">What Does Dave Ramsey Say About Home Warranties?<\/a><\/li><li><a href=\"#h-who-should-skip-a-home-warranty\" data-level=\"2\">Who Should Skip a Home Warranty?<\/a><\/li><li><a href=\"#h-how-to-decide-if-you-need-a-home-warranty\" data-level=\"2\">How to Decide if You Need a Home Warranty<\/a><\/li><li><a href=\"#h-frequently-asked-questions\" data-level=\"2\">Frequently Asked Questions<\/a><\/li><\/ul><\/div>\n\n\n\n\n\n<div class=\"card my-5 shadow-lg\">\n  <div class=\"card-body py-md-4\">\n    <div class=\"row align-items-center justify-content-center py-md-3 py-lg-2 py-xl-3\">\n      <div class=\"col-12\">\n        <p class=\"mb-4 h3 text-center\">\n          <span class=\"h4 text-primary font-weight-bold\">Sell As-Is, Skip the Warranty Math<\/span>\n          <span class=\"mt-2 d-block font-weight-normal text-muted\">Get competing cash offers on a home with aging systems \u2014 no repairs or premiums required<\/span>\n        <\/p>\n      <\/div>\n\n      <div class=\"col-12\">\n        <div class=\"ui-v2 search-address-form bg-white py-0\">\n          <div class=\"row justify-content-md-center\">\n            <div class=\"col-12 col-md-7 pr-md-2\">\n              <div class=\"input-group mb-0 shadow-sm\">\n                <div class=\"input-group-prepend\">\n                  <div class=\"input-group-text bg-white border-right-0\">\n                    <div class=\"icon\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-geo-alt-fill\" viewBox=\"0 0 16 16\">\n                        <path d=\"M8 16s6-5.686 6-10A6 6 0 0 0 2 6c0 4.314 6 10 6 10zm0-7a3 3 0 1 1 0-6 3 3 0 0 1 0 6z\"><\/path>\n                      <\/svg>\n                    <\/div>\n                  <\/div>\n                <\/div>\n\n                <input type=\"text\" id=\"autocomplete4\" class=\"form-control form-control-lg px-0\" placeholder=\"Enter your home address\" autocomplete=\"off\" v-on:change=\"onAddressChange($event)\" v-on:keydown.enter=\"searchMyAddress($event)\" onfocus=\"this.autocomplete='smartystreets'\">\n\n                <div class=\"input-group-append\">\n                  <div class=\"input-group-text bg-white border-left-0 p-0\">\n                    <button type=\"reset\" id=\"clear-address-btn4\" class=\"btn px-2 h-100\" name=\"clear\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-x\" viewBox=\"0 0 16 16\">\n                        <path d=\"M4.646 4.646a.5.5 0 0 1 .708 0L8 7.293l2.646-2.647a.5.5 0 0 1 .708.708L8.707 8l2.647 2.646a.5.5 0 0 1-.708.708L8 8.707l-2.646 2.647a.5.5 0 0 1-.708-.708L7.293 8 4.646 5.354a.5.5 0 0 1 0-.708z\"><\/path>\n                      <\/svg>\n                    <\/button>\n                  <\/div>\n                <\/div>\n              <\/div>\n\n              <ul class=\"us-autocomplete-pro-menu4 autocomplete-menu\" style=\"display:none;\"><\/ul>\n            <\/div>\n\n            <div class=\"col-12 col-md-auto pl-md-2\">\n              <button type=\"button\" id=\"disabledHomeValue4\" class=\"btn btn-primary btn-lg btn-block mt-3 mt-md-0\" v-on:click=\"searchMyAddress($event)\" disabled=\"\">\n                Get My Home Value\n              <\/button>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"h5 mt-4 mb-0 text-center font-weight-bold text-info\">\n          No repairs, no agent fees, no obligation.\n        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<h2 id=\"h-what-is-a-home-warranty\" class=\"wp-block-heading\">What Is a Home Warranty?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A home warranty is a <strong>service contract<\/strong> that pays for repair or replacement of covered home systems and appliances when they break down from normal wear and tear. It is not homeowners insurance. Homeowners insurance covers sudden damage from events like fire, theft, or storms. A home warranty covers gradual mechanical failure of your HVAC, plumbing, electrical panel, water heater, and kitchen appliances.<\/p>\n\n\n\n<h3 id=\"h-what-a-home-warranty-covers\" class=\"wp-block-heading\">What a home warranty covers<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Standard home warranty plans typically include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>HVAC systems<\/strong> (heating and central air)<\/li>\n\n\n\n<li><strong>Electrical panel and wiring<\/strong><\/li>\n\n\n\n<li><strong>Plumbing systems and stoppages<\/strong><\/li>\n\n\n\n<li><strong>Water heater<\/strong><\/li>\n\n\n\n<li><strong>Kitchen appliances:<\/strong> refrigerator, oven, dishwasher<\/li>\n\n\n\n<li><strong>Laundry appliances:<\/strong> washer and dryer<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Optional add-on riders can extend wear and tear coverage to pools, septic systems, well pumps, and second refrigerators at additional cost. Under a <strong>new construction warranty<\/strong>, a builder warranty can cover structural defects for up to 10 years and many systems for up to 2 years, making a separate home warranty largely redundant for new buyers.<\/p>\n\n\n\n<h3 id=\"h-what-a-home-warranty-does-not-cover\" class=\"wp-block-heading\">What a home warranty does not cover<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Per <a href=\"https:\/\/www.zillow.com\/learn\/what-are-home-warranties\/\" target=\"_blank\" rel=\"noopener noreferrer\">what home warranties typically exclude<\/a> from Zillow, standard contracts exclude:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pre-existing conditions<\/strong> known or discoverable before coverage starts<\/li>\n\n\n\n<li>Damage from improper installation or lack of maintenance<\/li>\n\n\n\n<li>Cosmetic damage (dents, scratches, finish issues)<\/li>\n\n\n\n<li>Natural disaster damage (fire, flooding, storm damage covered by homeowners insurance)<\/li>\n\n\n\n<li>Pools and septic systems unless added as paid riders<\/li>\n\n\n\n<li>Code upgrades required during a repair<\/li>\n\n\n\n<li>Secondary damage caused by the failed component<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Most contracts also set per-component <strong>coverage caps<\/strong>. A plan may cap an HVAC replacement at $1,500 to $2,000 even when a full unit replacement costs $5,000 to $12,000. These limits are often buried in the fine print.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"ibu-compare\">\n<thead>\n<tr>\n<th>Covered<\/th>\n<th>Not Covered<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>HVAC repair and replacement (up to plan cap)<\/td>\n<td>Pre-existing conditions<\/td>\n<\/tr>\n<tr>\n<td>Plumbing systems<\/td>\n<td>Improper installation damage<\/td>\n<\/tr>\n<tr>\n<td>Electrical panel<\/td>\n<td>Cosmetic damage<\/td>\n<\/tr>\n<tr>\n<td>Water heater<\/td>\n<td>Natural disaster damage<\/td>\n<\/tr>\n<tr>\n<td>Kitchen appliances (refrigerator, oven, dishwasher)<\/td>\n<td>Pools and septic (without rider)<\/td>\n<\/tr>\n<tr>\n<td>Washer and dryer<\/td>\n<td>Code upgrades during repair<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Based on standard home warranty contract terms across major providers, 2026. Coverage varies by plan and provider.<\/em><\/p>\n\n\n\n<h2 id=\"h-is-a-home-warranty-required\" class=\"wp-block-heading\">Is a Home Warranty Required?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>No.<\/strong> A home warranty is not required by any federal law, any state law, or most mortgage lenders. It is an optional service contract in all 50 states.<\/p>\n\n\n\n<h3 id=\"h-federal-and-state-law-requirements\" class=\"wp-block-heading\">Federal and state law requirements<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No federal or state law makes a home warranty required. Home warranties are classified as service contracts rather than insurance products, so they fall under consumer protection rules rather than state insurance regulations. Per <a href=\"https:\/\/www.consumer.ftc.gov\/articles\/0252-home-warranties\" target=\"_blank\" rel=\"noopener noreferrer\">how the FTC regulates home warranty service contracts<\/a>, providers must clearly disclose terms and conditions under federal consumer protection law, but no statute compels you to purchase one. The FTC&#8217;s Magnuson-Moss Warranty Act governs disclosure requirements, not purchase obligations.<\/p>\n\n\n\n<h3 id=\"h-mortgage-lender-requirements\" class=\"wp-block-heading\">Mortgage lender requirements<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mortgage lenders require homeowners insurance as a condition of loan approval. They do not require a home warranty. Per <a href=\"https:\/\/www.redfin.com\/blog\/is-a-home-warranty-required\/\" target=\"_blank\" rel=\"noopener noreferrer\">when a home warranty is not required<\/a> from Redfin, the choice is entirely yours once your insurance is in place. A home warranty is never a condition of loan underwriting for conventional, FHA, or VA mortgages.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FHA and VA loan programs may require the builder to provide a warranty on new construction, but that obligation falls on the builder, not the buyer. The buyer does not purchase a separate plan under those programs.<\/p>\n\n\n\n<h3 id=\"h-new-construction-exceptions\" class=\"wp-block-heading\">New construction exceptions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">On new homes, a builder warranty typically covers structural defects for up to 10 years and many systems for up to 2 years. Appliances carry individual manufacturer warranties lasting 1 to 3 years. Purchasing an add-on home warranty during this period often duplicates coverage you already have. Most financial advisors suggest waiting until years 5 to 7 to evaluate whether a home warranty makes financial sense for a new construction home.<\/p>\n\n\n\n<h2 id=\"h-how-much-does-a-home-warranty-cost-in-2026\" class=\"wp-block-heading\">How Much Does a Home Warranty Cost in 2026?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Home warranty cost 2026 data from HomeAdvisor places the average annual premium at <strong>$1,049<\/strong>, with plans ranging from $222 to $1,877 depending on plan tier, home size, and location.<\/p>\n\n\n\n<h3 id=\"h-home-warranty-cost-2026-premiums-by-tier\" class=\"wp-block-heading\">Home warranty cost 2026: premiums by tier<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The table below shows the full range of annual premiums, service call fees, and estimated annual totals assuming two service calls per year.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"ibu-compare\">\n<thead>\n<tr>\n<th>Plan Tier<\/th>\n<th>Annual Premium<\/th>\n<th>Service Call Fee<\/th>\n<th>Est. Total (2 Claims)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Basic appliances-only<\/td>\n<td>$222 to $400<\/td>\n<td>$75 to $100<\/td>\n<td>$372 to $600<\/td>\n<\/tr>\n<tr>\n<td>Systems + appliances combo<\/td>\n<td>$400 to $700<\/td>\n<td>$75 to $125<\/td>\n<td>$550 to $950<\/td>\n<\/tr>\n<tr>\n<td>Comprehensive (premium)<\/td>\n<td>$700 to $1,200<\/td>\n<td>$100 to $125<\/td>\n<td>$900 to $1,450<\/td>\n<\/tr>\n<tr>\n<td>Premium + add-ons (pool, septic)<\/td>\n<td>$1,200 to $1,877<\/td>\n<td>$100 to $125<\/td>\n<td>$1,400 to $2,127<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Based on <a href=\"https:\/\/www.homeadvisor.com\/cost\/inspectors-and-appraisers\/purchase-a-home-warranty\/\" target=\"_blank\" rel=\"noopener noreferrer\">average home warranty cost by plan type<\/a> from HomeAdvisor for premium ranges and ConsumerAffairs for service fee ranges, 2026. Verify current pricing directly with providers before purchasing.<\/em><\/p>\n\n\n\n<h3 id=\"h-service-call-fees-explained\" class=\"wp-block-heading\">Service call fees explained<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>service call fee<\/strong> is the flat amount you pay each time a technician visits under your home warranty, regardless of the repair outcome. The typical range is $75 to $125 per visit. The fee applies even when the technician determines the item is not covered or makes only a minor adjustment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With two service calls per year, service fees add $150 to $250 to your effective annual cost. Some providers charge per visit; others charge per trade call, meaning multiple technicians from the same visit may each trigger a separate fee. Confirm the fee structure before signing any contract.<\/p>\n\n\n\n<h3 id=\"h-the-break-even-calculation\" class=\"wp-block-heading\">The break-even calculation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The break-even math is straightforward. Add your annual premium to your expected service fees for the year. If any single anticipated repair or appliance breakdown exceeds that total, the warranty has positive expected value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A mid-tier plan at $600 per year plus two service calls at $100 each equals $800 in total annual cost. An HVAC service call averaging $150 to $500 does not break even. A full HVAC replacement averaging $5,000 to $12,000 breaks even many times over.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dave Ramsey at Ramsey Solutions argues that most home repairs cost less than $500. That is a valid point for newer homes with low expected repair frequency. For aging homes where a single covered event could run $5,000 or more, the math flips. More on that in the Ramsey section below.<\/p>\n\n\n\n<aside class=\"ibu-callout ibu-callout-tip\">\n  <strong>Tip:<\/strong> <p>Run the break-even math before you buy. Take your annual premium, add the service call fee multiplied by your estimated number of claims, and compare that total to the cost of your single most likely repair. If that one repair exceeds the total, the warranty pays off.<\/p>\n<\/aside>\n\n\n\n<h2 id=\"h-home-warranty-vs-homeowners-insurance\" class=\"wp-block-heading\">Home Warranty vs. Homeowners Insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding home warranty vs homeowners insurance starts with one core distinction: what triggers each policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A home warranty covers breakdown from wear and tear. Homeowners insurance covers sudden, accidental damage from events outside your control. The two products address different risks, and mortgage lenders treat them very differently.<\/p>\n\n\n\n<h3 id=\"h-what-each-policy-covers\" class=\"wp-block-heading\">What each policy covers<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Per <a href=\"https:\/\/www.progressive.com\/answers\/are-home-warranties-worth-it\/\" target=\"_blank\" rel=\"noopener noreferrer\">how homeowners insurance differs from a home warranty<\/a> from Progressive, the key difference lies in the triggering event: mechanical failure versus sudden damage.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"ibu-compare\">\n<thead>\n<tr>\n<th>Feature<\/th>\n<th>Home Warranty<\/th>\n<th>Homeowners Insurance<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>What triggers coverage<\/td>\n<td>Mechanical breakdown from wear and tear<\/td>\n<td>Sudden accidental damage (fire, theft, storm)<\/td>\n<\/tr>\n<tr>\n<td>Required by lender<\/td>\n<td>No<\/td>\n<td>Yes<\/td>\n<\/tr>\n<tr>\n<td>Required by law<\/td>\n<td>No<\/td>\n<td>No (but required by lenders)<\/td>\n<\/tr>\n<tr>\n<td>Average annual cost<\/td>\n<td>$222 to $1,877<\/td>\n<td>~$1,428 national average, 2026<\/td>\n<\/tr>\n<tr>\n<td>What it does NOT cover<\/td>\n<td>Pre-existing conditions, cosmetic damage<\/td>\n<td>Normal wear and tear, mechanical breakdown<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Sources: HomeAdvisor for warranty costs, Insurance Information Institute for homeowners insurance average, 2026.<\/em><\/p>\n\n\n\n<h3 id=\"h-which-is-required-and-which-is-optional\" class=\"wp-block-heading\">Which is required and which is optional<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Homeowners insurance is required by virtually every mortgage lender as a condition of loan approval. A home warranty is optional in all 50 states, required by no lender, and required by no law. The two products are not interchangeable. You cannot substitute a home warranty for homeowners insurance when your lender requires the latter.<\/p>\n\n\n\n<h3 id=\"h-do-you-need-both\" class=\"wp-block-heading\">Do you need both?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You can carry both simultaneously. Homeowners insurance handles catastrophic risk (fire, storm, flood with a rider). A home warranty handles operational risk (appliance breakdown, HVAC failure, plumbing failure). Whether you need both depends on your home&#8217;s age and your financial position.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The home warranty vs homeowners insurance decision reduces to this: if you want protection for everyday system failures and your emergency fund cannot absorb those costs, a warranty adds value. If your savings can cover most repairs, skip the extra premium.<\/p>\n\n\n\n<h2 id=\"h-when-is-a-home-warranty-worth-it\" class=\"wp-block-heading\">When Is a Home Warranty Worth It?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A home warranty is worth it when your repair risk is high and your financial cushion is thin. Four homeowner profiles stand out as strong candidates.<\/p>\n\n\n\n<h3 id=\"h-older-homes-with-aging-systems\" class=\"wp-block-heading\">Older homes with aging systems<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Appliances and home systems older than 8 to 10 years have statistically higher failure rates within the next 12 months. According to <a href=\"https:\/\/www.consumerreports.org\/appliances\/\" target=\"_blank\" rel=\"noopener noreferrer\">average appliance lifespan and replacement costs<\/a> from Consumer Reports, most major appliances have a useful life of 10 to 15 years. Once a system crosses that threshold, a single failure can cost more than several years of warranty premiums.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Getting a <a href=\"https:\/\/ibuyer.com\/blog\/home-inspection-cost-arkansas\/\">home inspection in Arkansas<\/a> before purchasing a warranty gives you a clearer picture of which systems are genuinely at risk. Buyers in older Southern housing markets often find that HVAC systems and water heaters are near or past their expected lifespan at purchase.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>HVAC repair cost<\/strong> is the most common warranty value driver. A full replacement averages $5,000 to $12,000. At a comprehensive plan premium of $700 to $1,200, a single HVAC replacement can justify multiple years of premiums in a single event.<\/p>\n\n\n\n<h3 id=\"h-limited-emergency-fund\" class=\"wp-block-heading\">Limited emergency fund<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If your liquid emergency fund is below $3,000, a single appliance breakdown or plumbing failure can create serious cash-flow pressure. An annual premium of $222 to $700 for a basic or mid-tier plan provides a predictable cost instead of variable exposure. For homeowners without a dedicated repair reserve, the warranty functions as a cash-flow buffer as much as a risk transfer tool.<\/p>\n\n\n\n<h3 id=\"h-rental-property-owners\" class=\"wp-block-heading\">Rental property owners<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Landlords can deduct the annual premium as a business expense, reducing the after-tax cost of the warranty. More practically, a home warranty shifts emergency repair coordination from the landlord to the warranty company. When a tenant reports a broken furnace, the warranty company dispatches the technician. That operational benefit has real value beyond the financial math.<\/p>\n\n\n\n<h3 id=\"h-first-time-homebuyers\" class=\"wp-block-heading\">First-time homebuyers<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">First-time buyers often inherit a home&#8217;s full repair history without knowing it. A home inspection surfaces major issues, but it does not always reveal every aging system. A one-year home warranty provides a buffer while a new owner learns the home&#8217;s maintenance needs and builds a repair reserve. Many sellers offer a warranty as a listing incentive when a buyer raises concerns during the inspection process.<\/p>\n\n\n\n<h2 id=\"h-what-are-the-disadvantages-of-home-warranties\" class=\"wp-block-heading\">What Are the Disadvantages of Home Warranties?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The disadvantages of home warranties are concrete and worth reviewing before purchasing. Here are the five most significant, matching the order cited across major consumer research sources:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\n<p><strong>High claim denial risk.<\/strong> Companies deny claims when damage is classified as a pre-existing condition, the result of improper maintenance, or tied to improper installation. Claim denial is the most commonly reported complaint. Understanding your contract&#8217;s exact definition of &#8220;pre-existing condition&#8221; before purchasing is essential.<\/p>\n<\/li>\n\n\n\n<li>\n<p><strong>Ongoing annual premium plus per-visit service fees.<\/strong> You pay the annual premium whether or not you file a claim. Each service call adds $75 to $125 on top of that. Over a full year with two claims, your total outlay runs $372 to $2,127 depending on plan tier, money you keep entirely if no covered failures occur.<\/p>\n<\/li>\n\n\n\n<li>\n<p><strong>Coverage caps per system.<\/strong> Most plans limit payouts per component. Per <a href=\"https:\/\/www.investopedia.com\/home-warranty-5070381\" target=\"_blank\" rel=\"noopener noreferrer\">home warranty coverage caps and exclusions<\/a> from Investopedia, HVAC replacement is commonly capped at $1,500 to $2,000 even when a full unit replacement costs $5,000 to $12,000. A cap that low means a covered event still leaves you with a large out-of-pocket balance.<\/p>\n<\/li>\n\n\n\n<li>\n<p><strong>No contractor choice.<\/strong> The warranty company assigns technicians from its own network. You cannot request a specific contractor. Technician quality, availability, and response time vary by market, and homeowners in rural areas may face longer wait times than those in dense metro areas.<\/p>\n<\/li>\n\n\n\n<li>\n<p><strong>Exclusions in the fine print.<\/strong> Pools, septic systems, cosmetic damage, and code upgrades are typically excluded unless added as riders at extra cost. Secondary damage caused by a failed component, such as water damage from a burst pipe, often falls outside the covered repair and requires a separate homeowners insurance claim.<\/p>\n<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">These five disadvantages of home warranties do not make a warranty a bad product for every homeowner. They do mean that reading the contract line by line before purchasing is non-negotiable.<\/p>\n\n\n\n<h2 id=\"h-what-does-dave-ramsey-say-about-home-warranties\" class=\"wp-block-heading\">What Does Dave Ramsey Say About Home Warranties?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dave Ramsey&#8217;s position is direct: skip them.<\/p>\n\n\n\n<h3 id=\"h-ramsey-s-argument-against-home-warranties\" class=\"wp-block-heading\">Ramsey&#8217;s argument against home warranties<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">According to <a href=\"https:\/\/www.ramseysolutions.com\/real-estate\/home-warranty\" target=\"_blank\" rel=\"noopener noreferrer\">Dave Ramsey&#8217;s view on home warranties<\/a> from Ramsey Solutions, Ramsey calls home warranties &#8220;downright ugly&#8221; and &#8220;not worth it for home buyers or homeowners.&#8221; His core argument has three parts: only about 25% of premiums are paid out in actual claims, you typically pay more in total fees than the covered repairs would cost out of pocket, and a properly funded emergency fund of 3 to 6 months of expenses eliminates the need for a warranty entirely.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ramsey&#8217;s logic applies the standard insurance principle: buy coverage only for risks you cannot self-absorb. If a $500 repair would not wreck your finances, there is no need to insure against it.<\/p>\n\n\n\n<h3 id=\"h-the-counterargument-when-the-math-disagrees\" class=\"wp-block-heading\">The counterargument: when the math disagrees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ramsey&#8217;s argument holds strongest when repairs are small and infrequent. It weakens significantly when the anticipated failure is large.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consider a homeowner with a 12-year-old HVAC system. A full replacement averages $5,000 to $12,000. At an annual premium of $1,049 plus $200 in service fees (roughly $1,249 total per year), the homeowner breaks even in less than two years if the unit fails. Over five years, cumulative premium and fee costs total around $6,245. One HVAC replacement fits comfortably within that range.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The break-even condition: if your expected annual repair cost exceeds your annual premium plus service fees (approximately $1,249 for an average plan), the warranty has positive expected value. Ramsey&#8217;s emergency fund recommendation is the right baseline for homeowners with newer systems. For homeowners with aging equipment, the emergency fund alone may not close the gap.<\/p>\n\n\n\n<h2 id=\"h-who-should-skip-a-home-warranty\" class=\"wp-block-heading\">Who Should Skip a Home Warranty?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Not every homeowner benefits from a warranty. Three profiles stand out as poor candidates.<\/p>\n\n\n\n<h3 id=\"h-newer-homes-under-5-years-old\" class=\"wp-block-heading\">Newer homes under 5 years old<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">New construction comes with a builder warranty covering structural defects for up to 10 years and many systems for up to 2 years. Appliances carry individual manufacturer warranties for 1 to 3 years. Purchasing a separate home warranty during this window duplicates coverage you already have and adds an annual premium you are unlikely to recover.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Reassess at years 5 to 7, when builder and manufacturer coverage begins to expire and the risk of appliance breakdown rises.<\/p>\n\n\n\n<h3 id=\"h-homeowners-with-a-funded-emergency-reserve\" class=\"wp-block-heading\">Homeowners with a funded emergency reserve<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Homeowners with $5,000 or more in a dedicated repair reserve can self-insure most covered repair scenarios without paying an annual premium. A $700 plumbing repair, a $400 dishwasher replacement, and even a $2,000 electrical panel upgrade are manageable within that buffer. The annual premium represents a certain cost paid every year to offset an uncertain cost. When your reserve is large enough, accepting the uncertain cost directly is the better financial position.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ramsey&#8217;s emergency fund argument applies most directly here. If you have 3 to 6 months of living expenses saved and a separate repair reserve, you likely do not need a home warranty.<\/p>\n\n\n\n<h3 id=\"h-diy-capable-homeowners\" class=\"wp-block-heading\">DIY-capable homeowners<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A service call fee of $75 to $125 applies each time a technician visits, regardless of the repair outcome. For minor appliance issues, a clogged dishwasher filter, a refrigerator water line, or a garbage disposal swap, a skilled DIY homeowner can complete the repair for $20 to $60 in parts. Paying a $100 service fee for a 10-minute technician visit is a poor use of a warranty. If you can handle routine repairs yourself, the math on a home warranty rarely works in your favor.<\/p>\n\n\n\n<h2 id=\"h-how-to-decide-if-you-need-a-home-warranty\" class=\"wp-block-heading\">How to Decide if You Need a Home Warranty<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The six steps below walk you through the decision, from home condition assessment to final provider comparison.<\/p>\n\n\n\n\n<div class=\"schema-howto tend-howto\">\n  <p class=\"schema-howto-name\">\n    <strong>How to Decide if You Need a Home Warranty<\/strong>\n  <\/p>\n\n  <ol class=\"schema-howto-steps\">\n    <li class=\"schema-howto-step\" id=\"howto-step-1784716944856\">\n      <strong class=\"schema-howto-step-name\">Inventory Your Home&#8217;s Major Systems and Appliances<\/strong>\n      <div class=\"schema-howto-step-text\">\n        <p>List the age and condition of your HVAC system, water heater, electrical panel, plumbing, and primary kitchen appliances. Systems or appliances that are more than 8 to 10 years old are generally more likely to require repairs within the next few years. A professional home inspection can help determine the exact age and condition of these systems before you decide whether to purchase a home warranty. See <a href=\"https:\/\/ibuyer.com\/blog\/home-inspection-cost-idaho\/\">Idaho home inspection costs<\/a> and <a href=\"https:\/\/ibuyer.com\/blog\/home-inspection-cost-connecticut\/\">Connecticut home inspection costs<\/a> for state-specific budget references.<\/p>\n      <\/div>\n    <\/li>\n\n    <li class=\"schema-howto-step\" id=\"howto-step-1784716944857\">\n      <strong class=\"schema-howto-step-name\">Calculate Your Emergency Fund Balance<\/strong>\n      <div class=\"schema-howto-step-text\">\n        <p>Review how much money you have available for unexpected home repairs. If replacing a major system would significantly impact your finances, a home warranty may provide additional financial protection against covered repair costs.<\/p>\n      <\/div>\n    <\/li>\n\n    <li class=\"schema-howto-step\" id=\"howto-step-1784716944858\">\n      <strong class=\"schema-howto-step-name\">Run a Break-Even Cost Comparison<\/strong>\n      <div class=\"schema-howto-step-text\">\n        <p>Add the annual warranty premium to your expected service fees for the year, then compare that total with the potential cost of major repairs or replacements. This comparison helps determine whether a home warranty is likely to provide value for your situation.<\/p>\n      <\/div>\n    <\/li>\n\n    <li class=\"schema-howto-step\" id=\"howto-step-1784716944859\">\n      <strong class=\"schema-howto-step-name\">Review the Contract&#8217;s Coverage and Exclusions<\/strong>\n      <div class=\"schema-howto-step-text\">\n        <p>Read the agreement carefully to understand coverage limits, exclusions, service fees, payout caps, and any restrictions related to maintenance or pre-existing conditions. Make sure the plan covers the systems that matter most to you.<\/p>\n      <\/div>\n    <\/li>\n\n    <li class=\"schema-howto-step\" id=\"howto-step-1784716944860\">\n      <strong class=\"schema-howto-step-name\">Compare Multiple Home Warranty Plans<\/strong>\n      <div class=\"schema-howto-step-text\">\n        <p>Request quotes from at least two or three providers and compare premiums, covered systems, service fees, claim limits, contractor networks, and customer reviews before choosing a plan.<\/p>\n      <\/div>\n    <\/li>\n\n    <li class=\"schema-howto-step\" id=\"howto-step-1784716944861\">\n      <strong class=\"schema-howto-step-name\">Decide Based on Your Home and Financial Situation<\/strong>\n      <div class=\"schema-howto-step-text\">\n        <p>Consider your home&#8217;s age, the condition of its major systems, your emergency savings, and your ability to handle repairs yourself. If several of these factors increase your financial risk, purchasing a home warranty may provide worthwhile peace of mind.<\/p>\n      <\/div>\n    <\/li>\n  <\/ol>\n\n  <script type=\"application\/ld+json\">\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"HowTo\",\n    \"name\": \"How to Decide if You Need a Home Warranty\",\n    \"step\": [\n      {\n        \"@type\": \"HowToStep\",\n        \"name\": \"Inventory Your Home's Major Systems and Appliances\",\n        \"text\": \"List the age and condition of your HVAC system, water heater, electrical panel, plumbing, and primary kitchen appliances. Systems or appliances that are more than 8 to 10 years old are generally more likely to require repairs within the next few years. A professional home inspection can help determine the exact age and condition of these systems before you decide whether to purchase a home warranty. See Idaho home inspection costs and Connecticut home inspection costs for state-specific budget references.\"\n      },\n      {\n        \"@type\": \"HowToStep\",\n        \"name\": \"Calculate Your Emergency Fund Balance\",\n        \"text\": \"Review how much money you have available for unexpected home repairs. If replacing a major system would significantly impact your finances, a home warranty may provide additional financial protection against covered repair costs.\"\n      },\n      {\n        \"@type\": \"HowToStep\",\n        \"name\": \"Run a Break-Even Cost Comparison\",\n        \"text\": \"Add the annual warranty premium to your expected service fees for the year, then compare that total with the potential cost of major repairs or replacements. This comparison helps determine whether a home warranty is likely to provide value for your situation.\"\n      },\n      {\n        \"@type\": \"HowToStep\",\n        \"name\": \"Review the Contract's Coverage and Exclusions\",\n        \"text\": \"Read the agreement carefully to understand coverage limits, exclusions, service fees, payout caps, and any restrictions related to maintenance or pre-existing conditions. Make sure the plan covers the systems that matter most to you.\"\n      },\n      {\n        \"@type\": \"HowToStep\",\n        \"name\": \"Compare Multiple Home Warranty Plans\",\n        \"text\": \"Request quotes from at least two or three providers and compare premiums, covered systems, service fees, claim limits, contractor networks, and customer reviews before choosing a plan.\"\n      },\n      {\n        \"@type\": \"HowToStep\",\n        \"name\": \"Decide Based on Your Home and Financial Situation\",\n        \"text\": \"Consider your home's age, the condition of its major systems, your emergency savings, and your ability to handle repairs yourself. If several of these factors increase your financial risk, purchasing a home warranty may provide worthwhile peace of mind.\"\n      }\n    ]\n  }\n  <\/script>\n<\/div>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">If your home&#8217;s aging HVAC, appliances, or plumbing is the main reason you are weighing a warranty, there is a second path worth knowing about. Sellers who list on iBuyer.com receive competing cash offers from vetted buyers who purchase homes as-is, with no repair demands and no annual warranty premiums required. You skip the coverage fine print entirely. Most cash sales through the platform close in 7 to 30 days. If you are comparing warranty costs against the cost of selling, request competing offers and review both sets of numbers before deciding.<\/p>\n\n\n\n<div class=\"card my-5 shadow-lg\">\n  <div class=\"card-body py-md-4\">\n    <div class=\"row align-items-center justify-content-center py-md-3 py-lg-2 py-xl-3\">\n      <div class=\"col-12\">\n        <p class=\"mb-4 h3 text-center\">\n          <span class=\"h4 text-primary font-weight-bold\">Sell As-Is, Skip the Warranty Math<\/span>\n          <span class=\"mt-2 d-block font-weight-normal text-muted\">Get competing cash offers on a home with aging systems \u2014 no repairs or premiums required<\/span>\n        <\/p>\n      <\/div>\n\n      <div class=\"col-12\">\n        <div class=\"ui-v2 search-address-form bg-white py-0\">\n          <div class=\"row justify-content-md-center\">\n            <div class=\"col-12 col-md-7 pr-md-2\">\n              <div class=\"input-group mb-0 shadow-sm\">\n                <div class=\"input-group-prepend\">\n                  <div class=\"input-group-text bg-white border-right-0\">\n                    <div class=\"icon\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-geo-alt-fill\" viewBox=\"0 0 16 16\"><path d=\"M8 16s6-5.686 6-10A6 6 0 0 0 2 6c0 4.314 6 10 6 10zm0-7a3 3 0 1 1 0-6 3 3 0 0 1 0 6z\"><\/path><\/svg>\n                    <\/div>\n                  <\/div>\n                <\/div>\n\n                <input type=\"text\" id=\"autocomplete5\" class=\"form-control form-control-lg px-0\" placeholder=\"Enter your home address\" autocomplete=\"off\" v-on:change=\"onAddressChange($event)\" v-on:keydown.enter=\"searchMyAddress($event)\" onfocus=\"this.autocomplete='smartystreets'\">\n\n                <div class=\"input-group-append\">\n                  <div class=\"input-group-text bg-white border-left-0 p-0\">\n                    <button type=\"reset\" id=\"clear-address-btn5\" class=\"btn px-2 h-100\" name=\"clear\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-x\" viewBox=\"0 0 16 16\"><path d=\"M4.646 4.646a.5.5 0 0 1 .708 0L8 7.293l2.646-2.647a.5.5 0 0 1 .708.708L8.707 8l2.647 2.646a.5.5 0 0 1-.708.708L8 8.707l-2.646 2.647a.5.5 0 0 1-.708-.708L7.293 8 4.646 5.354a.5.5 0 0 1 0-.708z\"><\/path><\/svg>\n                    <\/button>\n                  <\/div>\n                <\/div>\n              <\/div>\n\n              <ul class=\"us-autocomplete-pro-menu5 autocomplete-menu\" style=\"display:none;\"><\/ul>\n            <\/div>\n\n            <div class=\"col-12 col-md-auto pl-md-2\">\n              <button type=\"button\" id=\"disabledHomeValue5\" class=\"btn btn-primary btn-lg btn-block mt-3 mt-md-0\" v-on:click=\"searchMyAddress($event)\" disabled=\"\">\n                Get My Home Value\n              <\/button>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"h5 mt-4 mb-0 text-center font-weight-bold text-info\">\n          No repairs, no agent fees, no obligation.\n        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<h2 id=\"h-frequently-asked-questions\" class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<div class=\"schema-faq tend-faq\"><div class=\"schema-faq-section\" id=\"faq-question-1784716944866\"><strong class=\"schema-faq-question\">Do you need a home warranty?<\/strong> <p class=\"schema-faq-answer\">No, a home warranty is never required by law or mortgage lenders, but it can cover system and appliance repairs from normal wear and tear. Whether it makes financial sense depends on your home&#8217;s age, system condition, and emergency fund size. The average annual cost is $1,049.<\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1784716944867\"><strong class=\"schema-faq-question\">Is a home warranty required by law?<\/strong> <p class=\"schema-faq-answer\">No federal or state law requires homeowners to purchase a home warranty, and most mortgage lenders do not require one either. Homeowners insurance is required by lenders; a home warranty is not. The FTC classifies home warranties as service contracts governed by consumer protection rules, not insurance law. The only exception involves some new construction loans where the builder, not the buyer, must provide a warranty.<\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1784716944868\"><strong class=\"schema-faq-question\">Is it important to have a home warranty?<\/strong> <p class=\"schema-faq-answer\">A home warranty can be important for homeowners with aging systems or limited savings, but it is not universally necessary. In 2024, a large share of homeowners reported facing at least one unexpected repair, with nearly half spending over $5,000. For those without a funded emergency reserve, the annual premium of $222 to $1,877 may be less than a single major repair event.<\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1784716944869\"><strong class=\"schema-faq-question\">What does a home warranty cover?<\/strong> <p class=\"schema-faq-answer\">A home warranty covers repair or replacement of major home systems and appliances that fail from normal wear and tear, including HVAC, plumbing, electrical, and kitchen appliances. Standard plans include the heating system, central air, water heater, electrical panel, plumbing, oven, refrigerator, dishwasher, and washer and dryer. Optional riders can add pools, septic systems, and well pumps at additional cost.<\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1784716944870\"><strong class=\"schema-faq-question\">What does a home warranty not cover?<\/strong> <p class=\"schema-faq-answer\">A home warranty does not cover pre-existing conditions, damage from improper maintenance, cosmetic issues, or natural disaster damage; those fall under homeowners insurance or personal liability. Most contracts also exclude code upgrades required during a repair, secondary damage caused by a failed component, and improperly installed items. Read the fine print for dollar caps per covered component. A home inspection before closing helps identify pre-existing conditions before coverage starts; see <a href=\"https:\/\/ibuyer.com\/blog\/home-inspection-cost-hawaii\/\">Hawaii home inspection costs<\/a> for state-specific inspection pricing.<\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1784716944871\"><strong class=\"schema-faq-question\">How much does a home warranty cost in 2026?<\/strong> <p class=\"schema-faq-answer\">Home warranty cost 2026 averages $1,049 per year, with plans ranging from $222 to $1,877 annually depending on plan tier, home size, and location. In addition to the annual premium, you pay a service call fee of $75 to $125 each time a technician visits. Two service calls per year add $150 to $250 to your total annual cost.<\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1784716944872\"><strong class=\"schema-faq-question\">What are the disadvantages of home warranties?<\/strong> <p class=\"schema-faq-answer\">The five main disadvantages of home warranties are claim denials, ongoing premiums plus per-visit service fees, per-component coverage caps, no contractor choice, and fine-print exclusions for pre-existing conditions. Claim denial is the most commonly reported grievance; companies deny claims when damage is attributed to a pre-existing condition, lack of maintenance, or improper installation.<\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1784716944873\"><strong class=\"schema-faq-question\">What does Dave Ramsey say about home warranties?<\/strong> <p class=\"schema-faq-answer\">Dave Ramsey calls home warranties a waste of money, arguing you will pay more in premiums and fees than the covered repairs would cost out of pocket. Ramsey Solutions states only about 25% of home warranty premiums are paid out in actual claims. His argument holds strongest for newer homes; it weakens when a single major system replacement such as HVAC at $5,000 to $12,000 is anticipated.<\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1784716944874\"><strong class=\"schema-faq-question\">How is a home warranty different from homeowners insurance?<\/strong> <p class=\"schema-faq-answer\">A home warranty covers appliance and system wear-and-tear breakdowns; homeowners insurance covers sudden damage from fire, theft, or storms. The home warranty vs homeowners insurance distinction matters most for lender requirements: homeowners insurance is required by mortgage lenders, while home warranties are always optional. Neither covers maintenance neglect.<\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1784716944875\"><strong class=\"schema-faq-question\">When is a home warranty worth it?<\/strong> <p class=\"schema-faq-answer\">A home warranty is worth it when your home has aging systems, your emergency fund is under $3,000, and you want predictable repair costs over variable out-of-pocket bills. The math works when one likely covered repair, such as an HVAC failure averaging $5,000 to $12,000, would cost more than your annual premium plus service fees.<\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1784716944876\"><strong class=\"schema-faq-question\">Is a home warranty worth it for a new home?<\/strong> <p class=\"schema-faq-answer\">New homes typically come with a builder warranty covering structural defects for up to 10 years, making an additional home warranty largely redundant for the first several years. Appliances in new construction also carry individual manufacturer warranties for 1 to 3 years. A home warranty makes more financial sense around years 5 to 7, when builder and manufacturer coverage expires.<\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1784716944877\"><strong class=\"schema-faq-question\">Who should skip a home warranty?<\/strong> <p class=\"schema-faq-answer\">Homeowners with strong savings, newer appliances still under manufacturer warranty, and DIY skills will typically pay more in premiums than they recover in claims. If your emergency fund holds $5,000 or more and your major systems are under 5 years old, a home warranty transfers risk you do not need to transfer.<\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1784716944878\"><strong class=\"schema-faq-question\">Can a seller offer a home warranty to a buyer?<\/strong> <p class=\"schema-faq-answer\">Yes, sellers can offer a one-year home warranty as a listing incentive, typically costing $300 to $600 paid at closing. A seller-offered warranty can make a listing more attractive when systems are aging and a buyer raises concerns during a home inspection. It does not eliminate disclosure obligations; sellers must still disclose known material defects.<\/p><\/div><div class=\"schema-faq-section\" id=\"faq-question-1784716944879\"><strong class=\"schema-faq-question\">What is a service call fee on a home warranty?<\/strong> <p class=\"schema-faq-answer\">A service call fee is the amount you pay per technician visit under a home warranty, typically ranging from $75 to $125 per claim regardless of the repair outcome. The fee applies even if the technician determines the item is not covered or makes only a minor adjustment. With two service calls per year, the fee adds $150 to $250 to the effective annual cost of the warranty.<\/p><\/div><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Do you need a home warranty?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, a home warranty is never required by law or mortgage lenders, but it can cover system and appliance repairs from normal wear and tear. Whether it makes financial sense depends on your home's age, system condition, and emergency fund size. The average annual cost is $1,049.\"}},{\"@type\":\"Question\",\"name\":\"Is a home warranty required by law?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No federal or state law requires homeowners to purchase a home warranty, and most mortgage lenders do not require one either. Homeowners insurance is required by lenders; a home warranty is not. The FTC classifies home warranties as service contracts governed by consumer protection rules, not insurance law. The only exception involves some new construction loans where the builder, not the buyer, must provide a warranty.\"}},{\"@type\":\"Question\",\"name\":\"Is it important to have a home warranty?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A home warranty can be important for homeowners with aging systems or limited savings, but it is not universally necessary. In 2024, a large share of homeowners reported facing at least one unexpected repair, with nearly half spending over $5,000. For those without a funded emergency reserve, the annual premium of $222 to $1,877 may be less than a single major repair event.\"}},{\"@type\":\"Question\",\"name\":\"What does a home warranty cover?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A home warranty covers repair or replacement of major home systems and appliances that fail from normal wear and tear, including HVAC, plumbing, electrical, and kitchen appliances. Standard plans include the heating system, central air, water heater, electrical panel, plumbing, oven, refrigerator, dishwasher, and washer and dryer. Optional riders can add pools, septic systems, and well pumps at additional cost.\"}},{\"@type\":\"Question\",\"name\":\"What does a home warranty not cover?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A home warranty does not cover pre-existing conditions, damage from improper maintenance, cosmetic issues, or natural disaster damage; those fall under homeowners insurance or personal liability. Most contracts also exclude code upgrades required during a repair, secondary damage caused by a failed component, and improperly installed items. Read the fine print for dollar caps per covered component. A home inspection before closing helps identify pre-existing conditions before coverage starts; see <a href=\\\"https:\/\/ibuyer.com\/blog\/home-inspection-cost-hawaii\/\\\">Hawaii home inspection costs<\/a> for state-specific inspection pricing.\"}},{\"@type\":\"Question\",\"name\":\"How much does a home warranty cost in 2026?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Home warranty cost 2026 averages $1,049 per year, with plans ranging from $222 to $1,877 annually depending on plan tier, home size, and location. In addition to the annual premium, you pay a service call fee of $75 to $125 each time a technician visits. Two service calls per year add $150 to $250 to your total annual cost.\"}},{\"@type\":\"Question\",\"name\":\"What are the disadvantages of home warranties?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The five main disadvantages of home warranties are claim denials, ongoing premiums plus per-visit service fees, per-component coverage caps, no contractor choice, and fine-print exclusions for pre-existing conditions. Claim denial is the most commonly reported grievance; companies deny claims when damage is attributed to a pre-existing condition, lack of maintenance, or improper installation.\"}},{\"@type\":\"Question\",\"name\":\"What does Dave Ramsey say about home warranties?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Dave Ramsey calls home warranties a waste of money, arguing you will pay more in premiums and fees than the covered repairs would cost out of pocket. Ramsey Solutions states only about 25% of home warranty premiums are paid out in actual claims. His argument holds strongest for newer homes; it weakens when a single major system replacement such as HVAC at $5,000 to $12,000 is anticipated.\"}},{\"@type\":\"Question\",\"name\":\"How is a home warranty different from homeowners insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A home warranty covers appliance and system wear-and-tear breakdowns; homeowners insurance covers sudden damage from fire, theft, or storms. The home warranty vs homeowners insurance distinction matters most for lender requirements: homeowners insurance is required by mortgage lenders, while home warranties are always optional. Neither covers maintenance neglect.\"}},{\"@type\":\"Question\",\"name\":\"When is a home warranty worth it?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A home warranty is worth it when your home has aging systems, your emergency fund is under $3,000, and you want predictable repair costs over variable out-of-pocket bills. The math works when one likely covered repair, such as an HVAC failure averaging $5,000 to $12,000, would cost more than your annual premium plus service fees.\"}},{\"@type\":\"Question\",\"name\":\"Is a home warranty worth it for a new home?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"New homes typically come with a builder warranty covering structural defects for up to 10 years, making an additional home warranty largely redundant for the first several years. Appliances in new construction also carry individual manufacturer warranties for 1 to 3 years. A home warranty makes more financial sense around years 5 to 7, when builder and manufacturer coverage expires.\"}},{\"@type\":\"Question\",\"name\":\"Who should skip a home warranty?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Homeowners with strong savings, newer appliances still under manufacturer warranty, and DIY skills will typically pay more in premiums than they recover in claims. If your emergency fund holds $5,000 or more and your major systems are under 5 years old, a home warranty transfers risk you do not need to transfer.\"}},{\"@type\":\"Question\",\"name\":\"Can a seller offer a home warranty to a buyer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, sellers can offer a one-year home warranty as a listing incentive, typically costing $300 to $600 paid at closing. A seller-offered warranty can make a listing more attractive when systems are aging and a buyer raises concerns during a home inspection. It does not eliminate disclosure obligations; sellers must still disclose known material defects.\"}},{\"@type\":\"Question\",\"name\":\"What is a service call fee on a home warranty?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A service call fee is the amount you pay per technician visit under a home warranty, typically ranging from $75 to $125 per claim regardless of the repair outcome. The fee applies even if the technician determines the item is not covered or makes only a minor adjustment. With two service calls per year, the fee adds $150 to $250 to the effective annual cost of the warranty.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>A home warranty is never required by law or by any mortgage lender. It covers repair or replacement costs for major home systems and appliances that fail from normal wear and tear, with annual plans ranging from $222 to $1,877 and averaging $1,049 per year according to HomeAdvisor. Whether a home warranty is worth it [&hellip;]<\/p>\n","protected":false},"author":37,"featured_media":15999,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[107,4,208],"tags":[],"class_list":["post-15970","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-inspection","category-home-selling","category-home-value"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Do You Need a Home Warranty in 2026?<\/title>\n<meta name=\"description\" content=\"Wondering if a home warranty is worth it? Learn what\u2019s covered, when to buy one, and how to avoid common repair costs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ibuyer.com\/blog\/do-you-need-a-home-warranty\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do You Need a Home Warranty in 2026?\" \/>\n<meta property=\"og:description\" content=\"Wondering if a home warranty is worth it? Learn what\u2019s covered, when to buy one, and how to avoid common repair costs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ibuyer.com\/blog\/do-you-need-a-home-warranty\/\" \/>\n<meta property=\"og:site_name\" content=\"iBuyer Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-22T10:42:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-22T10:46:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ibuyer.com\/blog\/wp-content\/uploads\/2025\/08\/do-you-need-a-home-warranty.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Reilly Dzurick\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Reilly Dzurick\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"20 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/do-you-need-a-home-warranty\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/do-you-need-a-home-warranty\\\/\"},\"author\":{\"name\":\"Reilly Dzurick\",\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/#\\\/schema\\\/person\\\/4a3cd59937318637b625f8f09a161213\"},\"headline\":\"Do You Need a Home Warranty in 2026?\",\"datePublished\":\"2026-07-22T10:42:24+00:00\",\"dateModified\":\"2026-07-22T10:46:11+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/do-you-need-a-home-warranty\\\/\"},\"wordCount\":4120,\"image\":{\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/do-you-need-a-home-warranty\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/do-you-need-a-home-warranty.jpg\",\"articleSection\":[\"Home Inspection\",\"Home Selling\",\"Home Value\"],\"inLanguage\":\"en-US\",\"accessibilityFeature\":[\"tableOfContents\"]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/do-you-need-a-home-warranty\\\/\",\"url\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/do-you-need-a-home-warranty\\\/\",\"name\":\"Do You Need a Home Warranty in 2026?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/do-you-need-a-home-warranty\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/do-you-need-a-home-warranty\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/do-you-need-a-home-warranty.jpg\",\"datePublished\":\"2026-07-22T10:42:24+00:00\",\"dateModified\":\"2026-07-22T10:46:11+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/#\\\/schema\\\/person\\\/4a3cd59937318637b625f8f09a161213\"},\"description\":\"Wondering if a home warranty is worth it? Learn what\u2019s covered, when to buy one, and how to avoid common repair costs.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/do-you-need-a-home-warranty\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/ibuyer.com\\\/blog\\\/do-you-need-a-home-warranty\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/do-you-need-a-home-warranty\\\/#primaryimage\",\"url\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/do-you-need-a-home-warranty.jpg\",\"contentUrl\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/do-you-need-a-home-warranty.jpg\",\"width\":1200,\"height\":675,\"caption\":\"Do you need home warranty?\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/do-you-need-a-home-warranty\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Blog\",\"item\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Home Selling\",\"item\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/category\\\/home-selling\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Do You Need a Home Warranty in 2026?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/\",\"name\":\"iBuyer Blog\",\"description\":\"News &amp; posts about iBuying\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/#\\\/schema\\\/person\\\/4a3cd59937318637b625f8f09a161213\",\"name\":\"Reilly Dzurick\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/reilly-dzurick-avatar.png\",\"url\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/reilly-dzurick-avatar.png\",\"contentUrl\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/04\\\/reilly-dzurick-avatar.png\",\"caption\":\"Reilly Dzurick\"},\"description\":\"Reilly Dzurick is a licensed real estate agent with over six years of experience and a member of the iBuyer.com Market Insights Team, covering national trends in home selling and the evolving iBuyer landscape. Her firsthand experience working with buyers and sellers gives her a practical perspective on how these platforms impact real homeowners. She holds a degree in Public Relations, Advertising, and Applied Communication.\",\"url\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/author\\\/reillydzurick\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Do You Need a Home Warranty in 2026?","description":"Wondering if a home warranty is worth it? Learn what\u2019s covered, when to buy one, and how to avoid common repair costs.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/ibuyer.com\/blog\/do-you-need-a-home-warranty\/","og_locale":"en_US","og_type":"article","og_title":"Do You Need a Home Warranty in 2026?","og_description":"Wondering if a home warranty is worth it? Learn what\u2019s covered, when to buy one, and how to avoid common repair costs.","og_url":"https:\/\/ibuyer.com\/blog\/do-you-need-a-home-warranty\/","og_site_name":"iBuyer Blog","article_published_time":"2026-07-22T10:42:24+00:00","article_modified_time":"2026-07-22T10:46:11+00:00","og_image":[{"width":1200,"height":675,"url":"https:\/\/ibuyer.com\/blog\/wp-content\/uploads\/2025\/08\/do-you-need-a-home-warranty.jpg","type":"image\/jpeg"}],"author":"Reilly Dzurick","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Reilly Dzurick","Est. reading time":"20 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/ibuyer.com\/blog\/do-you-need-a-home-warranty\/#article","isPartOf":{"@id":"https:\/\/ibuyer.com\/blog\/do-you-need-a-home-warranty\/"},"author":{"name":"Reilly Dzurick","@id":"https:\/\/ibuyer.com\/blog\/#\/schema\/person\/4a3cd59937318637b625f8f09a161213"},"headline":"Do You Need a Home Warranty in 2026?","datePublished":"2026-07-22T10:42:24+00:00","dateModified":"2026-07-22T10:46:11+00:00","mainEntityOfPage":{"@id":"https:\/\/ibuyer.com\/blog\/do-you-need-a-home-warranty\/"},"wordCount":4120,"image":{"@id":"https:\/\/ibuyer.com\/blog\/do-you-need-a-home-warranty\/#primaryimage"},"thumbnailUrl":"https:\/\/ibuyer.com\/blog\/wp-content\/uploads\/2025\/08\/do-you-need-a-home-warranty.jpg","articleSection":["Home Inspection","Home Selling","Home Value"],"inLanguage":"en-US","accessibilityFeature":["tableOfContents"]},{"@type":"WebPage","@id":"https:\/\/ibuyer.com\/blog\/do-you-need-a-home-warranty\/","url":"https:\/\/ibuyer.com\/blog\/do-you-need-a-home-warranty\/","name":"Do You Need a Home Warranty in 2026?","isPartOf":{"@id":"https:\/\/ibuyer.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/ibuyer.com\/blog\/do-you-need-a-home-warranty\/#primaryimage"},"image":{"@id":"https:\/\/ibuyer.com\/blog\/do-you-need-a-home-warranty\/#primaryimage"},"thumbnailUrl":"https:\/\/ibuyer.com\/blog\/wp-content\/uploads\/2025\/08\/do-you-need-a-home-warranty.jpg","datePublished":"2026-07-22T10:42:24+00:00","dateModified":"2026-07-22T10:46:11+00:00","author":{"@id":"https:\/\/ibuyer.com\/blog\/#\/schema\/person\/4a3cd59937318637b625f8f09a161213"},"description":"Wondering if a home warranty is worth it? Learn what\u2019s covered, when to buy one, and how to avoid common repair costs.","breadcrumb":{"@id":"https:\/\/ibuyer.com\/blog\/do-you-need-a-home-warranty\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/ibuyer.com\/blog\/do-you-need-a-home-warranty\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/ibuyer.com\/blog\/do-you-need-a-home-warranty\/#primaryimage","url":"https:\/\/ibuyer.com\/blog\/wp-content\/uploads\/2025\/08\/do-you-need-a-home-warranty.jpg","contentUrl":"https:\/\/ibuyer.com\/blog\/wp-content\/uploads\/2025\/08\/do-you-need-a-home-warranty.jpg","width":1200,"height":675,"caption":"Do you need home warranty?"},{"@type":"BreadcrumbList","@id":"https:\/\/ibuyer.com\/blog\/do-you-need-a-home-warranty\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/ibuyer.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Home Selling","item":"https:\/\/ibuyer.com\/blog\/category\/home-selling\/"},{"@type":"ListItem","position":3,"name":"Do You Need a Home Warranty in 2026?"}]},{"@type":"WebSite","@id":"https:\/\/ibuyer.com\/blog\/#website","url":"https:\/\/ibuyer.com\/blog\/","name":"iBuyer Blog","description":"News &amp; posts about iBuying","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/ibuyer.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/ibuyer.com\/blog\/#\/schema\/person\/4a3cd59937318637b625f8f09a161213","name":"Reilly Dzurick","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/ibuyer.com\/blog\/wp-content\/uploads\/2024\/04\/reilly-dzurick-avatar.png","url":"https:\/\/ibuyer.com\/blog\/wp-content\/uploads\/2024\/04\/reilly-dzurick-avatar.png","contentUrl":"https:\/\/ibuyer.com\/blog\/wp-content\/uploads\/2024\/04\/reilly-dzurick-avatar.png","caption":"Reilly Dzurick"},"description":"Reilly Dzurick is a licensed real estate agent with over six years of experience and a member of the iBuyer.com Market Insights Team, covering national trends in home selling and the evolving iBuyer landscape. Her firsthand experience working with buyers and sellers gives her a practical perspective on how these platforms impact real homeowners. She holds a degree in Public Relations, Advertising, and Applied Communication.","url":"https:\/\/ibuyer.com\/blog\/author\/reillydzurick\/"}]}},"_links":{"self":[{"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/posts\/15970","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/users\/37"}],"replies":[{"embeddable":true,"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/comments?post=15970"}],"version-history":[{"count":4,"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/posts\/15970\/revisions"}],"predecessor-version":[{"id":26011,"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/posts\/15970\/revisions\/26011"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/media\/15999"}],"wp:attachment":[{"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/media?parent=15970"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/categories?post=15970"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ibuyer.com\/blog\/wp-json\/wp\/v2\/tags?post=15970"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}