How to Get a Home Warranty When Buying a House in 2026

If you’re house hunting this year, you’ve probably already thought about inspections, insurance, and closing costs. Right alongside those decisions, another question that often pops up early is how to get a home warranty when buying a house. It’s a common concern for buyers who want to avoid surprise repair bills after move-in.
Thinking about repairs early is like planning for ongoing home costs; you may not need them right away, but it pays to be prepared. This blog walks through how home warranties work, why buyers consider adding one during the purchase stage, and how to buy a plan while you are closing on a home.

How Do Home Warranties Work?

A home warranty is a service contract that helps homeowners cover repair costs for major home systems and appliances that fail over time. When a covered item stops working, the warranty provider arranges and schedules a technician for repair service. These plans typically run for a year and can be paid monthly or annually. Coverage often includes major items such as HVAC systems, plumbing, electrical, and kitchen appliances.
It’s important to know that a warranty is different from homeowners' insurance. Insurance focuses on damage from events like storms or fires, while a warranty focuses on mechanical breakdowns inside the home. Understanding this difference helps you decide if a plan fits your needs as a homeowner.

Why are  Home Warranties Worth Considering in 2026?

Homeownership in 2026 comes with plenty of excitement, but it also means taking on the responsibility of repairs and upkeep. That’s why many buyers are asking how to get a home warranty when buying a house, because the right plan can make ownership less stressful and more predictable. 

Here’s why it’s worth considering:

●    Budget Protection: Avoid large, unexpected repair bills by paying a manageable monthly or annual fee.
●    Coverage Beyond Manufacturer Warranties: Unlike short-term appliance warranties, home warranties cover systems and appliances for normal wear.
●    Convenient Service: Providers connect you with trusted technicians, saving you time searching for help.
●    Peace of mind for First-Time Buyers: If you’re new to home maintenance, comprehensive coverage gives you financial security and frees you from uncertainty. 
●    Practical Coverage for aging appliances: If your newly bought house includes older appliances, a warranty helps manage repair costs as those systems continue to age.

How to Get a Home Warranty when Buying a House?

Getting a warranty during your house purchase is simpler than most buyers realize. You have three main options, and each one fits different buying situations.

Negotiate with the Seller

Start by asking the seller to include a home appliance warranty in your purchase agreement. This works particularly well in buyer-friendly markets where sellers are motivated to close deals. Your real estate agent can add this request to your initial offer or include it during negotiations.
Sellers can either purchase it directly or provide a closing-cost credit to cover the premium. Many sellers actually prefer offering a warranty because it makes their property more appealing and shows they stand behind the home's condition.

Let Your Real Estate Agent Arrange It

Real estate professionals likely work with several warranty providers and can order a plan on your behalf. The cost gets rolled into your closing expenses, so you won't need to pay upfront.
Agents often have established relationships with reputable companies, which can speed up the process. Just remember to review the contract yourself. Your agent can recommend providers, but you're the one signing the agreement and filing future claims.

Purchase Directly from a Provider

You can also buy it independently at any point during the transaction. This gives you complete control over which company you choose and what coverage you get.

Here's how to get a homeowners’ warranty when buying a house on your own:

●    Research and compare: Research home warranty companies, check and compare their plan options, pricing structures, and customer reviews.
●    Evaluate coverage levels: Look for plans that protect major systems, such as HVAC, plumbing, electrical, plus essential appliances like refrigerators, ovens, and dishwashers.
●    Purchase through provider websites: Get quotes from several companies and complete your order online.

Homeowners often look at First Premier Home Warranty for its comprehensive coverage, dependable customer service, and transparent pricing. It is positioned as a strong option to review alongside other providers during the home-buying process.

What Common Mistakes Should You Avoid When Buying a Warranty?

Confusing Warranties with Insurance
Home warranties and homeowners' insurance serve completely different purposes. Insurance covers damage from fires, storms, and theft; events your lender requires you to protect against. Warranties cover mechanical failures from normal use in your appliances and systems, and they're entirely optional.

Skipping the Contract Review

Reading your full contract before purchasing reveals exactly what's covered and what isn't. Checking your home warranty coverage means knowing which specific parts and issues are included, because rarely is everything covered. 
Also, look for waiting periods before you can file claims, understand the renewal process, and learn what documentation you'll need to submit. 

Ignoring Coverage Caps
Most contracts include dollar limits per repair or replacement. You'll find them buried in the fine print of sample contracts. If your AC replacement costs $6,000 but your plan caps coverage at $2,000, you'll pay the $4,000 difference out of pocket.
When you choose coverage from the best home warranty company, contract terms and conditions are usually shared clearly from the start. Still, it’s important to review every detail yourself before signing any agreement.

Wrapping It Up: Plan Smart Before You Close

Your new home marks the start of an important journey, and adding the right coverage can make the experience even more manageable. A carefully chosen warranty helps you approach ownership with confidence, knowing you’ve planned ahead for repairs and service needs. By taking the time to review your options and understand the details, you can move into your new home feeling prepared, supported, and ready to enjoy everything your space has to offer.