Protect Your Home & Budget With a Home Warranty
A home warranty provides coverage for repairs and replacements of major home systems and appliances when they break down due to normal wear and tear.
Home Warranty Protection
- Coverage for major home systems
- Protection for household appliances
- 24/7 claims service
- Network of pre-screened technicians
- Affordable monthly payments
What is a Home Warranty?
A home warranty is a service contract that helps homeowners cover the cost of repairs or replacements for major home systems and appliances when they break down due to normal wear and tear.
Protection
Home warranties protect your budget from unexpected repair costs when covered items break down due to normal wear and tear.
Cost Savings
Instead of paying full price for repairs or replacements, you pay a small service fee when you need a repair on a covered item.
Convenience
When something breaks down, simply file a claim and a pre-screened technician will be sent to your home to diagnose and fix the issue.
Unlike homeowners insurance which covers damage from accidents or natural disasters, a home warranty covers breakdowns from normal use and aging.
Get QuoteBenefits of a Home Warranty
Discover how a home warranty can provide peace of mind and financial protection for homeowners.
Budget Protection
Avoid unexpected, large repair bills when major systems or appliances break down. A home warranty helps you budget for home repairs with predictable costs.
Simplified Repair Process
No need to search for reliable contractors. Your home warranty company has a network of pre-screened, licensed technicians ready to help.
How it works: File a claim online or by phone, and a qualified technician will be scheduled to diagnose and repair the issue.
Extended Protection
Many manufacturer warranties expire after just one year. A home warranty can provide continued protection for your appliances and systems beyond the manufacturer's warranty.
Coverage: Protection for items regardless of age, as long as they're in good working condition when coverage begins.
Home Value Enhancement
A transferable home warranty can be an attractive selling point if you decide to sell your home, giving potential buyers added confidence in their purchase.
Seller benefit: Some warranties offer special coverage during the listing period to protect you from unexpected repairs while your home is on the market.
What's Covered?
Home warranties typically cover major home systems and appliances. Coverage varies by plan, but here's what's commonly included:
Home Systems
Heating & Air Conditioning (HVAC)
Furnaces, air conditioners, heat pumps, ductwork
Electrical Systems
Wiring, panels, switches, outlets, ceiling fans
Plumbing Systems
Pipes, drains, water heaters, faucets, toilets
Water Heaters
Gas, electric, and tankless water heaters
Garage Door Openers
Motors, chains, belts, keypads
Appliances
Kitchen Appliances
Refrigerators, ovens, ranges, cooktops, dishwashers, built-in microwaves
Laundry Appliances
Washers and dryers
Garbage Disposals
Motors and components
Trash Compactors
Motors and key components
Optional Add-ons
Pool/spa equipment, well pumps, septic systems, roof leaks, additional appliances
Important Coverage Notes
- Coverage typically applies to breakdowns due to normal wear and tear, not pre-existing conditions.
- Items must be properly installed, maintained, and in good working condition when coverage begins.
- Coverage limits may apply to certain systems or appliances.
- Always review the contract for specific coverage details, exclusions, and limitations.
How Home Warranties Work
Understanding the process from purchase to claim resolution.
Choose a Plan
Choose a Plan
Select a home warranty plan that fits your needs and budget. Basic plans cover essential systems and appliances, while comprehensive plans offer more extensive coverage.
Select a home warranty plan that fits your needs and budget. Basic plans cover essential systems and appliances, while comprehensive plans offer more extensive coverage.
Tip:
Consider your home's age, the condition of your systems and appliances, and your budget when selecting a plan.
Purchase Coverage
Purchase Coverage
Pay for your plan either annually or monthly. Most plans have a waiting period (typically 30 days) before coverage begins, unless you're transferring from another warranty.
Pay for your plan either annually or monthly. Most plans have a waiting period (typically 30 days) before coverage begins, unless you're transferring from another warranty.
Cost Range:
Basic plans typically cost $300-$600 annually, while comprehensive plans range from $500-$800+ per year.
When Something Breaks
When Something Breaks
When a covered item breaks down, submit a service request through your warranty provider's website or by phone. Most companies offer 24/7 claims service.
When a covered item breaks down, submit a service request through your warranty provider's website or by phone. Most companies offer 24/7 claims service.
Response Time:
Most home warranty companies respond to claims within 24-48 hours for standard requests, and faster for emergencies.
Technician Visit
Technician Visit
Service Fee:
This is your out-of-pocket cost per service call, similar to a deductible. Some plans offer different service fee options.
Resolution
Resolution
The technician will diagnose the issue and either repair or replace the covered item according to your plan's terms. The warranty company covers the approved cost beyond your service fee.
The technician will diagnose the issue and either repair or replace the covered item according to your plan's terms. The warranty company covers the approved cost beyond your service fee.
Workmanship Guarantee:
Many home warranty companies offer a 30-90 day workmanship guarantee on repairs.
Home Warranty vs. Homeowners Insurance
Understanding the difference between these two important types of home protection.
| Feature | Home Warranty | Homeowners Insurance |
|---|---|---|
| Purpose | Covers repair or replacement of home systems and appliances due to normal wear and tear | Covers damage to your home's structure and belongings due to specific perils (fire, theft, storms, etc.) |
| Required By | Optional (homeowner's choice) | Required by mortgage lenders |
| Cost | $500-$1,500+ annually + deductible ($500-$2,000+) per claim | |
| Covers Appliance Breakdowns | Yes | No |
| Covers System Failures | Yes | No |
| Covers Fire Damage | No | Yes |
| Covers Theft | No | Yes |
| Covers Weather Damage | No | Yes |
Best Protection Strategy
For complete home protection, many homeowners choose to have both homeowners insurance and a home warranty. They complement each other by covering different types of issues that can affect your home.