If you get to the point of actually looking for a home, this is the best advice I got when I was home shopping. Get a "homeowners warranty". If something breaks, needs repair, or replacement, and I have it covered, then it only costs me $60! The warranty in my area is about $350 per year. It paid for itself before 6 months had passed. I had three house calls by plumbers, and 2 by electricians the first year. The savings to me is staggering!
PS -You have to buy the warranty during the purchase process.