Should I Get a Home Warranty When Buying a House?

Are home warranties worth it when buying or selling a home in Northeast Florida?

Short answer:
Sometimes yes — sometimes no.
It depends on the home, the systems, the age of the equipment, your financial comfort level, and whether you truly understand how home warranties work.
There is no one-size-fits-all answer, which is exactly why you need a knowledgeable agent helping you evaluate them.

Let’s break it down in a clear, realistic way.

First: What Exactly Is a Home Warranty?

A home warranty is typically a one-year service plan that covers the repair or replacement of major systems and appliances — things like:

• AC units

• water heaters

• refrigerators

• dishwashers

• electrical or plumbing components

• pools

• wells/septic systems

• outdoor kitchens (sometimes)

Every warranty company is different, and coverage varies wildly, especially here in the Jacksonville and St. Augustine area.

That’s why the first question isn’t “Should I get one?”
It’s:

✔ “Which warranty covers the things I actually have in this house?”

Because a home with a saltwater pool, a well and septic, an outdoor kitchen, and a separate ice maker needs very different coverage than a condo with basic appliances.

How Home Warranties Work in a Real Sale

Whether you’re buying or selling, here’s how the process typically goes:

• The warranty is chosen during negotiations

• The buyer or seller can pay for it

• It costs roughly $400 to $700+ depending on coverage

• It goes into effect on the day of closing

• It lasts for one year unless renewed

Buyer Tip:

Always make sure the title company actually orders the warranty.
We’ve seen cases where they forgot — and buyers discovered they weren’t covered only when something broke.

How a Home Warranty Works When Something Breaks

Let’s use the AC as an example (because we live in Florida, and AC breakdowns are basically a sport):

1. Your AC stops working

2. You call the home warranty company

3. They assign a preferred vendor or allow you to pick your own depending on the policy

4. You pay a service call fee (usually $75–$125)

5. The vendor attempts to fix the issue

6. If they can’t fix it, then the warranty covers replacement

Sounds great, right?

Well… sometimes.

Here’s the part most people don’t realize:

Warranty calls often get pushed to the bottom of the schedule

Preferred vendors typically make less money on warranty calls.
So even though you want your AC fixed today, they may not be able to come out for several days.

And if a part needs to be ordered?
You might be hot for a while.

The Pro Side:

• A $75 service call is better than a $6,000 AC replacement

• Some warranties truly save people thousands

• Great peace of mind for first-time buyers

• Helpful when big-ticket items are older but not failing yet

The Con Side:

• Response times can be slow

• Repairs may be temporary

• Another service fee applies each time something breaks

• Not everything is covered

• Coverage differs for pools, wells, extra fridges, outdoor kitchens, etc.

Should Sellers Offer a Home Warranty?

Many sellers in the Jacksonville and St. Augustine market offer warranties when:

• Their home has older systems

• They want to give buyers extra confidence

• They want to reduce inspection repair requests

• They’re trying to stand out in a competitive market

It can absolutely help.

But remember — that $400–$700 could also go toward:

• closing cost concessions

• price adjustments

• repairs

• or other incentives

So it depends on your strategy.

When Should a Buyer Definitely Consider a Home Warranty?

• When the AC, water heater, or appliances are older

• When you don’t have extra cash for big unexpected repairs

• When you’re a first-time buyer

• When the previous owner did DIY repairs

• When the home has systems you're unfamiliar with

When Should a Buyer Maybe Skip a Home Warranty?

• If everything is newer and under manufacturer warranty

• If you have substantial emergency savings

• If you plan to immediately replace major items anyway

• If the home will be used as a rental property

Rental Property Warning:

Most property management companies in Northeast Florida will not work with home warranty companies.
Why?

• Vendors can be slow

• Tenants can't wait days for AC repairs

• Repairs sometimes fail again

• Owners often end up giving rent credits

• Warranty rules create extra headaches

Warranties + rental properties = usually not a great match.

Final Takeaway

There is no universal “yes” or “no” when it comes to home warranties.
It all depends on:

• the home

• the age of the systems

• your budget

• your risk tolerance

• your negotiation strategy

• and the warranty company’s actual coverage

A home warranty can save you thousands — or frustrate you endlessly.
The key is choosing the right company and understanding what’s covered before you agree to one.

Not Sure If a Warranty Makes Sense for Your Home?

We’ll walk you through your options honestly — no pressure.

Call CrossView Realty at 904-503-0672 or email info@crossviewrealty.com.
Or fill out the Contact Us form — we’ll help you decide what’s best for your situation.