I am buying a home built in 1962, the appliances and the HVAC although they work, appear to be old and beyond servicable life. Is it a good idea for me to have a home warranty paid by seller?

t’s a very common and often smart strategy to request a home warranty—especially when purchasing an older home with aging appliances and HVAC systems. Here’s why:

Benefits of a Home Warranty in Your Situation:

• Covers Unexpected Repairs: A home warranty typically covers repair or replacement of major systems and appliances that fail due to normal wear and tear, which is likely with older equipment.

• Peace of Mind: You’ll have some financial protection if the HVAC or appliances break down soon after closing.

• Negotiation Tool:  It’s reasonable to ask the seller to pay for a one-year home warranty as part of your offer, especially since the systems are already at or beyond their typical lifespan.

What to Consider:

• Coverage Limits:  Home warranties have limits and exclusions. Not all pre-existing conditions or all parts may be covered, so review the policy details carefully.

• Service Fees: There’s usually a service call fee for each repair visit.

• Not a Substitute for Inspection: A warranty doesn’t replace the need for a thorough home inspection. You should still have the systems evaluated to understand their current condition.

When buying a house through me as your buyers agent, I always recommend a Home Warranty to be paid for by the seller. Wes Stolsek, OMNI Homes International, 520-404-9773.