What Does a Home Warranty Cover?

When the plumbing system or electrical appliances in your home stop working, you have to go through the hassles of finding a professional to repair and restore it. Such emergency expenses tamper with your budget and also lead to discomfort.

So, when can you do to avoid this unwanted problem? You can buy a home warranty, from a company such as American Home Shield, that covers the repair costs of major home appliances and systems.

A home warranty plan is a comprehensive package that includes the maintenance and repair costs of several home appliances and systems. If the equipment has stopped working due to wear and tear, call the insurance company at the earliest to address the damages.

While the costs of the warranty may seem high, it saves you more in the long run. Instead of paying a hefty sum to replace the appliances, you can get them repaired at reasonable costs and keep them in good shape for extended periods.

What Does a Home Warranty Cover?

The home warranty coverage may vary depending on the plan you choose. However, a standard home warranty usually covers the repair costs of the following systems:

  • Heating system
  • Ductwork
  • Electrical system
  • A central air conditioning system
  • Garage door opener or home security system
  • Central Vacuum System
  • Attic, ceilings, and exhaust fans repairs
  • Plumbing system including toilet tanks
  • Circulating pumps

Aside from these systems, your home warranty may also cover the costs of repairing or replacing certain home appliances such as:

  • HVAC unit
  • Oven
  • Dishwasher
  • Kitchen exhaust fans
  • Garbage disposal unit
  • Water softeners
  • Clothes washer and dryer
  • Refrigerator
  • Hot water dispenser
  • Trash compactor
  • Water heaters

What Is NOT Covered by a Home Warranty?

Now that you know about the home appliances and systems that are covered by a home warranty, you can contact the contractor if any of these systems stop working. However, your claim may be rejected if you ignored the routine maintenance of the system.

Here are a few other costs that usually aren’t included in home warranties:

  • Water leaks due to roof problems
  • Outdoor plumbing systems including faucets, valves, and sprinklers
  • Swimming pools, spa, and hot tubs
  • A septic system, since it’s present outside your home
  • Pre-existing conditions with the systems and appliances
  • Non-mechanical items such as walls, roof, doors, and windows

Before you sign a home warranty contract, you should know about the terms and conditions of the agreement. If your home warranty doesn’t cover certain appliances or systems, then there’s nothing to worry about. You can get the additional coverage for an added cost.

Many home warranty plans also come with a limit. For instance, if the repair costs exceed $1,500 a month, you may have to pay an additional fee for the repair work.

So, what are you waiting for? Get in touch with a professional home warranty company and buy a plan that suits your needs.

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