Most homes that you purchase come with a home warranty. If the home does not come with this offer, you need to purchase it. A home warranty pays for any damage to the home or anything that needs to be fixed in the home. Some warranties are only available for a few years, and some of them are available for the length of time that you own the house. You might have to pay extra for the warranty, but it will end up saving you money if something needs to be fixed. If you purchase a home and find out that the ceiling leaks water, the home warranty would cover this. A home warranty would also cover flooring damages and repairs to the plumbing. If you damaged the home, then the warranty might not pay for the repairs. Documentation might be needed to show how the damage occurred.