What is the main purpose of a home warranty?

The main purpose of a home warranty is to cover the repair or replacement of home systems and appliances. This type of warranty serves as a service contract that homeowners can purchase to alleviate unexpected costs associated with the failure of essential home components, such as plumbing, electrical systems, heating and cooling systems, and major appliances like refrigerators and washers.

Home warranties are designed to protect homeowners from the financial burden of repairs or replacements that often arise from regular wear and tear. They provide peace of mind, especially for new homeowners who may not be familiar with the condition of the systems and appliances within their homes. By offering this coverage, home warranties allow homeowners to budget for maintenance costs more predictably, providing an added layer of financial protection that is distinct from traditional home insurance, which typically covers events such as fire damage or theft.

The other options listed do not align with the primary function of a home warranty, as they either pertain to specific topics not covered by such warranties or are outside the scope of maintenance and repair responsibilities.