The typical home warranty covers repairs and replacements for faulty and/or broken appliances in your kitchen, living room, bedrooms, bathrooms, basement and garage.    You may also opt to include things like flooring or roofing in your coverage. This can be a great value if you're not an experienced homeowner who knows exactly what to look for when inspecting the house before making an offer.   Many people never use their warranties or they forget about them until they've been turned down by so many repair shops that it's too late. That said, there's no such thing as frivolous spending when it comes to protecting your financial investment in a new home!    Think of it this way: you're paying upfront and counting on premium protection just like insurance