If you are preparing to buy a home then you might want to look into purchasing a home warranty.  A home warranty is like an insurance policy for your major appliances and systems (electrical, plumbing, HVAC, etc).  Plans usually start at around $400 and have a renewal due each year.  If your dishwasher breaks down 6 months after closing you will be glad you have one!  There are many companies that offer home warranties  - two of the most popular are American Home Shield www.homewarranty.ahs.com and 2-10 www.2-10.com .