Home Warranty in Temple, Texas

What Is a Home Warranty?

A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they break down from normal wear and tear. Unlike homeowners insurance, which covers sudden damage from events like fire or storms, a home warranty handles mechanical failures of items like your HVAC system, water heater, plumbing, and kitchen appliances.

Winkler Insurance helps Temple homeowners find home warranty plans that protect their budgets from unexpected repair bills. When your AC fails in a Texas summer, a home warranty can be a financial lifesaver.

Why Temple Homeowners Need a Home Warranty

Home repairs are expensive and unpredictable. Here's why a home warranty makes sense:

• Major repairs cost thousands. Replacing an HVAC system runs $5,000 to $10,000. A water heater costs $1,000 or more.


• Texas heat is brutal. When your AC dies in July, you need it fixed fast—and affordably.


• Older homes mean older systems. Appliances and systems in established Temple neighborhoods are more likely to fail.


• Homeowners insurance doesn't cover breakdowns. Your home policy covers damage, not mechanical failure from age or wear.


• Budgeting becomes easier. A fixed annual cost beats surprise repair bills.

What Does a Home Warranty Cover?

Home warranty plans vary, but most include:

HVAC Systems
Heating, air conditioning, and ductwork—essential for surviving Texas summers and winters.

Plumbing Systems
Pipes, faucets, water heaters, and related components.

Electrical Systems
Wiring, outlets, circuit breakers, and panels.

Kitchen Appliances
Refrigerator, oven, range, dishwasher, garbage disposal, and built-in microwave.

Washer and Dryer
Often included in comprehensive plans or available as add-on coverage.

Optional Coverage
Pool and spa equipment, septic systems, well pumps, and additional refrigerators can often be added.

Home Warranty vs. Homeowners Insurance

These products serve different purposes. Homeowners insurance covers damage from covered perils—fire, theft, storms, liability. A home warranty covers mechanical breakdowns from age and wear. Temple homeowners benefit from having both: insurance protects against disasters, while a warranty handles everyday system failures.

How Much Does a Home Warranty Cost in Texas?

Home warranty plans typically cost $400 to $700 annually depending on coverage level. You'll also pay a service call fee—usually $75 to $125—when a technician visits. Compare this to a single major repair, and the math often favors having a warranty in place.

Why Work with Winkler Insurance?

Since 2006, Winkler Insurance has helped Temple homeowners find protection for their homes and budgets. We offer home warranty plans alongside traditional insurance products, giving you one source for comprehensive home protection. Our local agents explain coverage options clearly and help you choose a plan that makes sense.

Get a Home Warranty Quote in Temple, Texas

Our home warranty specialists serve Temple, Texas and surrounding areas including Belton, Harker Heights, Killeen, Copperas Cove, Troy, Waco, Round Rock, and Cameron. Contact Winkler Insurance today for a free quote.