Understanding Home Warranty Coverage

Home warranties can provide valuable protection, but understanding what they cover is essential for homeowners and property managers.

What is a Home Warranty?

A home warranty is a service contract that covers the repair or replacement of major home systems and appliances that break down due to normal wear and tear.

Common Coverage Areas

Typically Covered

• HVAC systems
• Electrical systems
• Plumbing systems
• Water heaters
• Appliances (refrigerator, oven, dishwasher, washer, dryer)

Often Not Covered

• Pre-existing conditions
• Improper maintenance
• Code violations
• Cosmetic issues

Maximizing Your Warranty

Keep Detailed Records

Document all maintenance and repairs to:

• Prove proper maintenance
• Support claims
• Track warranty periods

Understand Your Terms

Read your warranty carefully:

• Know what's covered and excluded
• Understand claim processes
• Note service fees and limits

Maintain Your Systems

Regular maintenance is often required:

• HVAC filter changes
• Annual system servicing
• Proper operation

When to File a Claim

File claims for:

• Covered system failures
• Appliance breakdowns
• Mechanical issues

Don't file claims for:

• Routine maintenance
• Minor issues under deductible
• Excluded items

Conclusion

A home warranty can be valuable, but only if you understand its terms and maintain proper documentation of your assets and maintenance activities.