Most people are very familiar with homeowners' 保险, which protects against any accidental damage to your home and belongings due to theft, 火, 风暴, 和自然灾害. 家庭保修也可以保护你的家，但它的工作原理不同. A home warranty is a service contract that helps pay for repairs and replacements for covered appliances and major home 系统. 按月或年收费, 你可以在每次设备或系统出现故障时支付一笔固定的服务费. In general, you don't need a home inspection or maintenance records to buy coverage. And it doesn't matter if your home is brand new or 50 years old.