Home-exercise machines are sold in many places. It pays to buy at a reputable specialty fitness store, like Gym Source (www.gymsource.com) or Busy Body (www.busybody.com), where you’ll be able to try out an array of models and talk to knowledgeable salespeople. Ask if the store has a delivery service that will set up the equipment and instruct you in its use. Sales are often held in December and January. You can also ask about reduced rates for floor models and payment plans with low interest rates. Buy only from stores that have a 30-day money-back guarantee.

Before you make a purchase, scrutinize the warranty. Out-of-warranty repairs, which are often done in your home, can be expensive. Ellipticals and treadmills typically come with a lifetime warranty on the frame, a 3- to 10-year warranty on the motor, and a one- to three-year warranty on parts and labor. Consider buying an extended warranty for less expensive machines with motors, like treadmills and ellipticals, which are more prone to break down. Stores typically charge $100 and up for a two- or three-year extension on a 90-day warranty.