Not boring when you need one!
So, a home warranty is an insurance policy that protects you against the breakdown of major appliances and home systems. This includes your refrigerator, air conditioning, and swimming pool.
Today, all sorts of electronics are also covered. When an issue occurs on an insured item, the plan either fixes or replaces that item in part or in full. When buying a home, it is standard (thought can become negotiable) for the seller to include a home warranty with the sale of the property. BTW, a landlord can purchase a “renters” policy. If you are not buying a home, though opinions vary, I think it is a good bet.
Among my favorite companies are: