On Tuesday, I made reference to a Home Warranty, but I'm not sure how common they are...which is a shame, because in my opinion, they're CRITICAL. Did you know that your Home Owners Insurance will sometimes only cover structures, but not appliances? It's a shame, but true in many policies...be sure to check yours.
If your insurance DOESN'T cover appliances, then you must get a Home Warranty. I have one through First American Home Buyers Protection Corp, and for $44 a month, all my appliances are covered. That includes, heating/ac, hot water heater, garage door, and if I had one, a pool or spa.
Over the 7 years that I've had my house, I've made calls on my washer and dryer (twice), hot water heater, and garage door opener. Each of the house calls were $50 and everything was replaced or fixed at no additional cost. Not too bad, huh? The repair people are pre-screened and scheduled for you...they literally take the busy work out of it for you.
So, what are you waiting for? This could potentially save you LOTS of money...and you never know...the repair man could be totally hunky, too!