Is Your Home Covered? These Plans Can Save You Thousands
Apr 10, 2025
Owning a home is one of life’s biggest accomplishments — and as we age, it becomes more important than ever to protect what we’ve built. From surprise appliance breakdowns to heating system failures, unexpected repairs can hit hard, especially on a fixed income.
That’s where home warranty plans for seniors come in. They offer affordable protection that helps reduce the financial strain when something breaks — and can often be activated in just minutes online.
Why Homeowners Over 50 Are Turning to Warranty Plans
For many older adults, peace of mind is the new luxury. While DIY repairs might’ve been manageable years ago, more and more seniors are choosing appliance and systems protection that handles the hassle for them.
Let’s face it — water heaters, dishwashers, and HVAC systems don’t last forever. A single issue could cost hundreds (or thousands), but homeowner protection for retirement means that instead of panic, you just place a quick service call and pay a modest fee — usually between $75 and $125.
What’s Typically Covered?
Most home warranty plans offer two tiers of coverage:
- Appliance-only plans: Cover things like refrigerators, ovens, dishwashers, washers/dryers
- System plans: Include plumbing, electrical, air conditioning, and heating
- Some providers also offer optional add-ons for things like septic tanks, pools, or even roof leaks.
The key? Flexibility. You choose a plan that fits your lifestyle, your budget, and your home.
Real Talk: Is It Worth It?
Here’s a quick snapshot of potential repair costs:
- Air conditioner repair: $350–$850
- Furnace replacement: $3,000+
- Dishwasher failure: $500+
- Water heater replacement: $1,200+
If your house is more than 10 years old, it’s not a question of if something will go — but when. And while home insurance covers disasters, it usually doesn’t cover issues that arise from everyday wear-and-tear. That’s where companies like ARW step in — they offer exactly that kind of daily protection by providing coverage for costs to repair or replace home items that break down due to everyday use.
How to Choose the Best Plan
With so many providers in the space, it’s smart to compare. Look for:
- 24/7 claims service
- Clear contract terms (what's covered vs. what's not)
- Strong reviews and customer service
- Fast claims approval
American Home Shield (AHS) stands out for its flexible home warranty plan options and extensive network of vetted service professionals. They’ve been around for decades and offer great support for seniors.
Want a free quote first? Most companies offer one — no commitment required.
The Bottom Line: Don’t Wait for a Breakdown
The worst time to think about a home warranty is after something breaks. If your furnace goes out in January, it’s not just an expense — it’s a crisis.
Taking five minutes now to explore your options could be the smartest homeowner move you make this year.
