What Is a Home Warranty Transfer and Can NH Buyers Receive the Seller’s Coverage?

🏡 What Is a Home Warranty Transfer and Can NH Buyers Receive the Seller’s Coverage?

Some New Hampshire homes — especially in the Plymouth, Campton, Rumney, and Thornton areas — come with an existing home warranty that the seller purchased.

What many buyers don’t realize is that these warranties can often be transferred at closing.

Here’s how home warranty transfers work in NH.

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What Is a Home Warranty Transfer?

A home warranty transfer allows the buyer to take over the seller’s existing home warranty plan after the sale.

This typically covers systems such as:

✔ Heating systems

✔ Plumbing

✔ Electrical

✔ Water heaters

✔ Appliances

It’s different from homeowners insurance — warranties cover breakdowns, not disasters.

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Are Home Warranties Transferable in New Hampshire?

Yes, many home warranty companies allow full or partial transfer of coverage.

However, the rules vary:

✔ Some companies transfer automatically

✔ Some require a small transfer fee

✔ Some require the seller to notify them before closing

✔ Some create a new policy for the buyer at a discounted rate

Your agent or closing attorney can confirm the exact process.

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Why Buyers Benefit From a Warranty Transfer

A transferred home warranty can help buyers by:

✔ Reducing repair costs in the first year

✔ Covering older systems that might fail

✔ Providing peace of mind during the move-in period

✔ Protecting budgets when appliances break unexpectedly

For homes with aging heating systems (common in Central NH), this can be a big advantage.

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What Buyers Should Check Before Accepting a Warranty

Before taking over a seller’s warranty, buyers should review:

✔ What systems are covered

✔ What is not covered

✔ Deductibles or service fees

✔ Whether pre-existing issues are excluded

✔ Expiration date and renewal cost

Not all warranties are equal, and some offer far better value than others.

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Q&A

Q: Does a transferred warranty cost the buyer money?

A: Sometimes. Most transfers are inexpensive ($0–$50), but policies vary.

Q: Can a seller offer a warranty even if they don’t already have one?

A: Yes — many sellers purchase a warranty before listing to make their home more attractive.

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Keywords

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Jim Johnson — Real Estate Agent

58 NH Route 25A

Wentworth, NH 03282

P: (857) 249-7392

W: www.JimJohnsonRealEstateAgent.com

Licensed New Hampshire REALTOR® with Three Hills Real Estate Services

Broker Email: info@ThreeHillsRES.com

Broker Website: www.ThreeHillsRES.com