A home protection plan can include major appliances such as refrigerators, clothes washers and dryers, ovens, dishwashers, built-in microwaves, water heaters and more. The plans help cover the cost of repair or replacement of household appliances that break down due to normal wear and tear. You can also include household systems such as the interior electrical, plumbing, water and sewer lines, central heating/cooling units, well pumps and more. The warranty is a service agreement with the homeowner that if a covered appliance or system stops working, due to normal wear and tear, then it will be repaired or replaced by the warranty company in accordance with the terms and conditions of the agreement.
Homeowners insurance, combined with flood insurance, and a home warranty can all provide peace of mind and protection against financial harm due to something unexpected happening to your home. They differ when it comes to the type of protection they offer. Homeowners and flood insurance typically apply when accidental damage occurs to your home and belongings due to theft, storms, fires, floods and natural disasters (depending on the type of policy).
Home service agreements, also known as home warranties, cover the cost of repairs or replacements for a number of your home systems and appliances. The warranty guarantees to the homeowner that if something that is covered by the home warranty plan stops working or breaks down then it will be repaired or replaced by the warranty company, subject to the terms and conditions of the contract. A home protection plan typically covers mechanical failures or breakdowns due to normal wear and tear of your home appliances or major systems (heat/air conditioning, plumbing, electric, kitchen appliances, etc.) depending upon the plan and options that you choose.
Homeowners and flood insurance usually cover damages caused by:
Additionally, homeowners insurance may cover:
Home warranties typically cover major appliances and systems like:
A home warranty, also known as a home service agreement, typically helps cover the cost of repairs or replacement for home systems and appliances. Specific coverage is based on the terms and conditions of the plan you select and the items you choose to cover. The warranty company will repair or replace any covered item that experiences a mechanical failure due to normal wear and tear under the terms of the plan.
Home warranties usually cover major appliances and systems such as
Central Air Conditioning
Central Home Heating
Interior Electrical System
Refrigerator and Icemaker
Range/Oven/Cooktop
Dishwasher
Built-In Microwave
Water Heater
Plumbing System (Does Not Include Fixtures)
Plumbing Stoppages (Does Not Include Fixtures)
Garbage Disposal
Garage Door Opener
Ceiling Fan
Duct Work
Kitchen Exhaust Fan
A/C Refrigerant & Coils
Plumbing Faucets and Fixtures
Permits Modifications Code Violations
Mismatched Systems
Humidifier
Improper Installations
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When a person purchases a home warranty, they are entitled to certain protections as part of the plan. If a covered major appliance or home system breaks down, like your washing machine or central heating system, the homeowner will contact the warranty company and they will arrange for a licensed, pre-screened, pre-qualified technician to come to the home and assess the situation. If the issue is due to normal wear and tear or a mechanical failure and is covered under the terms and conditions and limits of the contract, then the appliance or system will be repaired or replaced and the homeowner will only have to pay a service fee as defined in the contract.
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