What Is a Home Warranty?
A home warranty is a service contract that covers the repair or replacement of your home's major systems and appliances when they break down from normal wear and tear. Your insurance covers sudden events (hurricanes, fire, theft), while a warranty covers the gradual failure of things that wear out over time.
Homeowners Insurance
Covers sudden, accidental damage: hurricane/wind, fire, theft, burst pipes, liability. Protects against the unexpected.
Home Warranty
Covers normal wear and tear: AC failure, plumbing breakdowns, electrical issues, appliance replacement. Protects against the inevitable.
What Does a Home Warranty Cover?
❄️
HVAC System
AC, heating, ductwork. Critical in Florida's heat.
💧
Plumbing
Pipes, faucets, toilets, water heater.
⚡
Electrical
Wiring, panels, ceiling fans, garage door.
🍳
Kitchen Appliances
Refrigerator, oven, dishwasher, microwave.
🚿
Water Heater
Tank and tankless. Avg replacement: $1,200-$3,000.
🧹
Washer/Dryer
Included in most enhanced plans.
Why Florida Homeowners Need a Warranty
Your AC runs year-round. Florida HVAC systems work 10-12 months a year, wearing out 30-40% faster. Average AC replacement: $5,000-$12,000.
Hard water damages plumbing. Florida's mineral-rich water corrodes pipes. Whole-house replumbing: $4,000-$15,000.
Lightning damages electronics. Florida leads the nation in lightning. Power surges destroy appliances and electrical systems.
Older housing stock. Many Florida homes have systems past their expected lifespan. A warranty protects against age-related failures.
How Much Does a Home Warranty Cost?
Most Florida home warranty plans cost $400-$700 per year ($33-$58/month). One AC repair averages $500-$1,500 and a full replacement runs $5,000+.
$400-$700
Annual Plan Cost
$5,000+
Avg. AC Replacement
How Nymble Helps
Nymble can help you find a home warranty plan that fits your home and budget. Bundle your homeowners insurance + home warranty through Nymble for seamless coverage. One agency manages both, so when something breaks, you know exactly who to call.
