Understanding What Does a Home Warranty Cover and Its Benefits

Home warranties are essential for homeowners seeking peace of mind. These service contracts offer coverage for repairs and replacements of specific systems and appliances in your home, providing a buffer against unexpected expenses.

Basic Coverage in a Home Warranty

Typically, a home warranty covers two main areas: major systems and appliances.

Major Systems

• Electrical Systems: This includes wiring, switches, and circuit breakers.
• Plumbing Systems: Coverage often extends to pipes, faucets, and toilets.
• HVAC Systems: Both heating and air conditioning units are generally included.

Appliances

• Kitchen Appliances: Coverage often includes ovens, refrigerators, and dishwashers.
• Laundry Appliances: Washers and dryers are typically covered.

For more detailed information, consider reviewing your home warranty agreement.

Additional Coverage Options

Many providers offer optional coverage for items not included in the basic plan.

Optional Add-Ons

• Pool and Spa Equipment: Some plans allow you to add coverage for these amenities.
• Well Pump: If your home relies on a well, this can be a crucial add-on.

Exclusions and Limitations

It's important to understand what a home warranty does not cover.

• Pre-existing Conditions: Most warranties exclude issues that existed before the contract start date.
• Non-mechanical Items: Structures, such as windows or walls, are typically not covered.

For those purchasing a new home, understanding your coverage soon after closing can be beneficial. Learn more about this at home warranty after purchase.

Frequently Asked Questions