A home warranty generally covers essential home systems and appliances. You can also purchase optional add-ons for specialized needs. Here’s a breakdown of what’s typically included:

Home Systems

Home systems coverage includes the major systems that keep your home functioning day to day. This often includes:

Heating (furnaces, heat pumps, ductwork, thermostats
Cooling (air conditioning units)
Plumbing (pipes, faucets, drains, toilets, water heaters)
Electrical (wiring, circuit breakers, outlets, light switches)
Water heaters (standard and tankless)

Appliances

Appliance coverage protects many of your household’s essential appliances when they break from everyday wear and tear. Covered appliances can include:

Kitchen appliances (refrigerator, oven, range, built-in microwave, dishwasher, garbage disposal)
Laundry appliances (washing machine, dryer)
Additional appliances (trash compactor, garage door opener)

Optional Add-Ons

Homeowners can also purchase optional add-on coverage for many items not included in standard plans, including:

Pool and spa (pumps, heaters, filters)
Roof leak repair (limited coverage for roof leaks)
Additional refrigeration (second refrigerator, wine cooler, standalone freezer)
Well pump (for homes with private wells)
Septic system (septic tank components, limited pumping coverage)

Like insurance and other types of warranties, home warranty plans don’t cover everything. For example, a home warranty won’t cover misuse, cosmetic damage, and changing or modifying structures to repair or replace an item.