If for no other reason, you should buy a home warranty because of your HVAC system.
If you end up in a household with a terrible HVAC system, then you’re going to have to pay a lot to get a replacement.
If your HVAC system isn’t covered by a factory warranty and it breaks down, then your only course of action would be to go through a home warranty. That is, if you are fortunate enough to have one. I personally don’t think that enough people purchase apartment warranties whenever they buy their homes. I honestly learned the tough way that a warranty is a fantastic thing to have. On our last household that we bought, I declined to get the five year warranty when we closed on the house. I just thought that we didn’t need it. Several months later when our HVAC system stopped working, I realized too late that the HVAC system’s warranty was already old and void. Since we didn’t have a warranty either, we ended up having to pay large currency for a brand new up-to-date heating and cooling system completely out of pocket. It was a large chunk of change for us, especially since we were still just getting used to paying a mortgage at that point in our lives too. The next time we bought a house about five years later, I made sure to ask about the existing warranty on the house’s HVAC unit. Not only that, I also bought a warranty at our closing appointment too! I won’t make that same mistake again, I will tell you that.
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