Home Warranty FAQs
What Does a Home Warranty Cover?
There are several plans and options to choose from to best suit your home’s specific requirements. Basic plans typically include coverage for: kitchen appliances, water heaters, plumbing, electrical, heating systems, and more. Optional coverage can range from pool/spa equipment, washer/dryer, kitchen refrigerator, air conditioning, well pump, and more. Coverage varies by region and whether the home is involved in a real estate transaction.
How Does the Claims Process Work?
- Review your coverage. It is best to review your home warranty contract to understand specific coverage and limitations for the broken item.
- Request service. Sign in to place your request online or call 800.992.3400.
- Schedule an appointment. A service provider will contact you to schedule a mutually convenient appointment.
- Repair or replacement. The service contractor will diagnose and repair or replace your covered item. Simple repairs are typically made during the first appointment. In some cases, parts may need to be ordered and additional visits may be needed to complete the repair or replacement.
How Much Does a Home Warranty Cost?
It’s easy to get a free quote. Costs vary depending on geographic location as well as by which plans and options you choose to best suit your home. If you’re buying or selling a home, contact your real estate agent for local pricing.
Will a Home Warranty Cover My System or Appliance that is Already Broken?
In most situations we will not repair or replace an item that was broken prior to the start of the home warranty coverage. Some plans that are purchased as part of a real estate transaction will protect you from unknown pre-existing conditions - if at the time the coverage begins the defect is not known or could not have been reasonably observed by looking at or operating the system or appliance.
What is the Difference Between a Home Warranty and Homeowners Insurance?
Home insurance is usually required by your mortgage lender and protects the structure of your home against risks such as damage from severe weather and theft, secondary damages resulting from some system and appliance failures, as well as protecting you personally from liability in the event that someone is accidentally injured on your property. Each time you make a claim on your home insurance you pay a deductible cost, which is commonly $500 or $1,000.
Home warranties protect many of the home systems and appliances that you rely on daily. When these systems and appliances inevitably fail over time due to normal wear and tear, a home warranty will pay to repair or replace them. You will pay a service fee each time you request service.