What Is a Home Warranty in Citrus County and Do You Need One?

When you buy a home in Citrus County, Marion County, or Levy County, you’ll hear a lot about different protections, including homeowners insurance and home warranties. Although they sound similar, a home warranty in Citrus County serves a completely different purpose. It helps protect you from unexpected repair costs on major systems and appliances. Because of that, many buyers consider adding one during the home buying process for extra peace of mind.

For more buyer questions and home buying guides in Citrus County, visit my <a href=”https://cindyburkhardt.com/buying-and-selling-tips”>Buyer Resources page</a>.

In the video below, I explain what a home warranty is, what it covers, and when it may be helpful for buyers.

It is different from homeowners insurance and serves a separate purpose

What a home warranty covers

A home warranty in Citrus County typically covers major systems and appliances that may fail due to normal wear and tear. This may include air conditioning systems, plumbing, electrical components, water heaters, kitchen appliances, and more. In addition, some plans offer optional upgrades for items like pool equipment, septic systems, or well pumps. Coverage varies by company, but the goal is simple: reduce the cost of unexpected breakdowns.

What a home warranty does not cover

A home warranty is not the same as homeowners insurance. Insurance covers damage from events such as fire, wind, storms, or theft. A home warranty in Citrus County does not cover structural issues, cosmetic problems, or anything caused by neglect. Understanding this difference helps buyers choose the right combination of protection for their new home.

Why buyers choose a home warranty

Many buyers across Citrus, Marion, and Levy County choose a home warranty for added confidence during the first year of homeownership. Most homes have aging systems or appliances, and repairs can be expensive. Because of this, a home warranty can help reduce stress and protect your budget. It can also be helpful for first time buyers who prefer predictable costs.

Many buyers also ask whether a home warranty replaces the need for inspections and other buyer protections.

Do you need a home warranty?

Whether you need a home warranty depends on your comfort level with risk, the age of your home, and the condition of the systems and appliances. A newer home may need less coverage, while an older home with older systems might benefit more. A local real estate professional can help review your home inspection and guide you toward the best choice.

How to choose a home warranty company

When selecting a home warranty in Citrus County or nearby counties, compare the following:

• What systems and appliances are included

• Service call fees

• Coverage limits

• Optional add-ons

• Customer reviews

In addition, make sure the company services your exact ZIP code in Citrus, Marion, or Levy County. For more information about home warranties, visit the Federal Trade Commission’s Home Warranty Guide. For more information about home warranties, you can review this guide from the <a href=”https://www.consumer.ftc.gov/articles/home-warranties”>Federal Trade Commission</a>.

Home warranties can be helpful in certain situations, but they aren’t one-size-fits-all. If you’d like help deciding whether a home warranty makes sense for your purchase, I’m always happy to help.