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What a home warranty actually covers
Learn how a service contract may help with eligible repairs when home systems and appliances fail from normal wear and tear.
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Often includes
HVAC · Plumbing · Electrical
Coverage varies by planReview service feesRead exclusions before enrolling
The basics
A service contract, not insurance
A home warranty may help cover repair or replacement costs for certain systems and appliances after normal use. Homeowners insurance generally covers different risks, such as fire, storms, theft, or certain accidental damage.
Quick definition
Coverage is always subject to the specific plan’s terms, exclusions, limits, waiting periods, and service call fees.
What may be covered
Systems and appliances commonly included in plans
Plumbing
Supply lines, drains, and plumbing fixtures.
Electrical
Outlets, panels, and covered wiring faults.
Kitchen appliances
Refrigerator, dishwasher, oven, and cooktop.
Water heater
Eligible tank and tankless unit repairs.
Optional items
Washers and dryers with certain plans.
How it works
Three steps, from breakdown to repair
Report the issue
Submit a claim when an eligible covered item fails.
Pay a service fee
The visit fee and other costs are listed in your contract.
Review the resolution
A service professional assesses repair or replacement options.
Who might consider one?
Homeowners with aging appliances or HVAC, recent buyers, and anyone who prefers more predictable repair budgeting may want to compare options.
What should you compare?
Review coverage limits, waiting periods, service fees, repair-versus-replacement rules, exclusions, and availability in your state.
See what’s available for your home
Compare plans available in my area and review the coverage details before deciding whether a home warranty fits your needs.
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