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Something in your house will break. The question is who pays for it.
Your homeowners insurance pays for fire or storm damage. When a furnace or water heater just wears out, you're on your own, unless you have a home warranty.
What it costs to replace
Water heater$1,300 – $3,500
Furnace$4,000 – $7,000
AC unit$5,000 – $12,000
Refrigerator$1,500 – $3,000
