Short Answer
A standard home warranty covers major home systems and appliances. Systems coverage typically includes HVAC, plumbing, electrical, and water heater. Appliance coverage typically includes refrigerator, oven, range, dishwasher, built-in microwave, and washer and dryer. Some plans offer optional coverage for items like pools, spas, septic systems, and well pumps. Coverage limits, exclusions, and service fees apply. Read the contract carefully to understand exactly what is covered.
Home warranty coverage varies by company and plan level, but most policies include the following. Systems coverage: heating and air conditioning, plumbing system and fixtures, electrical system, water heater, and sometimes ductwork. Appliance coverage: refrigerator, oven and range, dishwasher, built-in microwave, garbage disposal, washer and dryer, and garage door opener. Optional coverage can be added for additional cost: pool and spa equipment, septic system, well pump, roof leak repair, and additional refrigerators or freezers. Most policies have coverage limits, meaning the warranty company will pay up to a certain amount per item or per year. Exclusions are common: pre-existing conditions, improper installation, lack of maintenance, and code violations are typically not covered. Service call fees of $75 to $125 apply each time you request service. The warranty period is usually one year, renewable annually. Read the contract carefully and ask questions about anything you do not understand.
Bob's Advice
Redfin Senior Agent · AI Certified Agent
A home warranty is a service contract, not insurance. It covers breakdowns from normal wear and tear, but it does not cover everything. I always advise my buyers to read the contract carefully and understand what is covered and what is not. If you have questions about a specific policy, ask the warranty company directly before you purchase. I can help you review the contract and understand the coverage limits and exclusions. A home warranty can be a good safety net, but it is only as good as the coverage it provides.
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