What is a Home Warranty?
A home warranty is a service contract that covers the repair or replacement of home systems and appliances that break down due to wear and tear. It protects homeowners from unexpected, costly repair bills by paying a technician to fix covered items.
“The Facts”
What Does it Cover?
A home warranty is a service contract that covers the repair or replacement of major home appliances and systems (HVAC, plumbing, electrical) that break down due to normal wear and tear. Unlike homeowners insurance, it covers functional breakdowns rather than damage from theft or disasters. Common covered items include water heaters, refrigerators, dishwashers, and washers/dryers.
Appliance Plan
Some common appliances that are included in coverage are refrigerator, oven/ range / cooktop, dishwasher, built- on microwave, washing machine, clothes dryer, and garbage disposal.
Systems Plan
The typical appliance coverage includes HVAC (heating & cooling), the electrical system, plumbing system, water heater, and ductwork.
Combo Plan
The combo plan is going to include everything in the appliance and systems plan together. It makes it the most comprehensive package. Refrigerator, oven/ range / cooktop, dishwasher, built- on microwave, washing machine, clothes dryer, garbage disposal, HVAC (heating & cooling), the electrical system, plumbing system, water heater and ductwork.
Optional Add-Ons
Optional add-ons are considered to be pool/ spa, well pump, septic system, roof leak repair, sump pump, second refridgerator, stand-alone freezer, lawn sprinkler system, central vacuum and guest house coverage.
What’s Not Covered?
A home warranty will not cover pre-existing issues, code upgrades, improper maintenance, cosmetic damage, misuse, neglect, pest damage and acts of nature. Structural elements such as roofs, windows and solar panels might also be excluded from coverage.
The BIG Takeaway
Home repairs aren’t a matter of if — they’re a matter of when.
A quality home warranty helps protect your budget from unexpected breakdowns, whether it’s your HVAC system in the summer or your refrigerator the week before guests arrive.
The smartest homeowners don’t wait until something fails. They compare coverage options in advance, understand what’s included, and choose a plan that fits their home and their budget.
Take a minute today to compare your options.
Your future self (and your savings account) will thank you.
