Home warranty for condos: cost, plans, and coverage

Nina Smith

Nina Smith

Nina is a writer with more than 5 years of experience. She is experienced in such topics as home warranty and home maintenance. She enjoys giving a piece of helpful advice, so don't hesitate to ask her in the comments.

home warranty for condos

Home warranty for condos can be confusing for some condo owners. Knowing how much condominiums cost and the different condos plan offered by home warranty companies can help you make an informed decision. Here, the article will discuss home warranties for Condos in detail, including:

Home Warranties for Condos

Home warranty plans for condos help condo owners easily cover the costs of system and appliance repair and replacement costs. The plans usually cover the appliances and crucial systems linked to the condo and its exterior maintenance. Condo insurance cost average is different than home warranty for condos. When considering the cost of homeowners’ insurance for a condo, you must note that it does not cover any systems or appliances inside your condo. Instead, the best condo insurance companies only cover external and natural disasters affecting your home, and as such, opting for a home warranty condo plan helps to cover the internal cover costs like condo HVAC replacement costs.

However, it must be noted that home warranty companies offer no specific condo warranty packages. Instead, the same packages offered for any regular home can be taken for condos as well. How much a condo warranty will cost depends on the package you select, the coverage you require, and your payment plan.

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How Much Will the Condo Warranty Cost?

Usually, the size of the condo, its location, and the appliances covered under the home warranty are the prime determinants of the costs of your package. On average, you can expect to pay between 400 to 750 USD per year. Remember, this cost is not the same as the maintenance fee paid to the condo association. The maintenance fee only covers the exterior and common areas of the condo. As such, the specific appliances and systems present in your unit are not covered by such a fee.

However, this fee usually helps in a lower premium required on your condo home warranty plans as a large area does not require any coverage. As such, you can get platinum plans for condo coverage between 45 to 60 USD per month.

Is Condo Home Warranty Worth the Price?

Having a home warranty ensures that any unexpected repair and replacement costs do not increase your financial burden substantially.

  • You remain financially protected in case any sudden and unforeseen repairs are required. It is always easier to make a small, regular payment from your budget every month/ year than to pay a hefty repair amount all at once. Similarly, you do not need to pay the entire amount of the repair. Instead, after paying the service call fee, most of the amount of the replacement is covered by your home warranty company. Companies like Choice Home Warranty and American Home Shield offer a generous payout for your appliance repairs.
  • It reduces stress on the homeowner during the repair process. You do not have to find a technician, make them understand the problem, or fetch the replacement parts. Instead, all those actions are done by the home warranty company. The homeowner can fill the claim, sit back and relax while the repair/ replacement is completed systematically.
  • A home warranty covers your home’s internal appliances and systems that are left out by the home insurance.

Condo Coverage

Most home warranties offered for the single-family home can help cover the condos as well. Here, there is no specific unique aspect related to the condos alone.

  • First, consider the plan that responds to your needs. You may select between Appliance plan, Combo plan and Systems plan, etc. When selecting the plan that suits your requirements, consider the claim time, service quality, service call fee, and monthly payment.
  • Once you have selected the plan and filled out all the responsibilities, you must wait for the grace period. Most companies usually require a grading period of 30 days before they start offering coverage to your condo. After the grace period is over, your premises are now being covered by the home warranty company.
  • When some issue comes up, claim the company’s telephone support or online portal.
  • Pay the service fee and let the repairman arrive at your premises.
  • After assessing the problem, the contractors will provide you the best support based on your requirements.


Get a home warranty plan that covers your condo today and reduces the expense of uncertain repairs and replacements. Consider the guide given in the article above to ensure that you make the right decision. Let us know in the comments section about your experience regarding Condo Home Warranty.

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