Frequently Asked Questions

A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they break down due to normal wear and tear. Unlike homeowners insurance (which covers damage from events like fires or storms), a home warranty covers everyday mechanical failures. When a covered item breaks, you file a claim, a licensed technician is dispatched, and you pay only a small service fee while the warranty covers the rest.

Homeowners insurance protects against sudden, unexpected events like fires, storms, theft, and liability claims. A home warranty covers the gradual wear and tear of your home's systems and appliances. For example, if a storm damages your roof, homeowners insurance covers it. If your furnace stops working due to age, your home warranty covers it. Most homeowners benefit from having both for complete protection.

A home warranty is valuable for almost any homeowner, but especially for: first-time homeowners unfamiliar with repair costs, owners of homes with older systems and appliances (5+ years), homeowners on a fixed budget who need predictable expenses, real estate buyers wanting protection on a new purchase, and anyone who wants peace of mind knowing unexpected repairs are covered. Even newer homes can benefit, as manufacturer warranties may have expired on appliances.

For most homeowners, a home warranty pays for itself with just one major repair. Consider these average costs: HVAC system replacement ($4,000–$8,000), water heater replacement ($1,000–$3,000), refrigerator repair ($200–$1,000), plumbing repair ($150–$3,000). A home warranty plan costs $360–$600/year, meaning a single covered repair can more than cover the annual cost. If you're risk-averse or own an older home, the value is especially clear.

Coverage varies by plan and provider, but typically includes:

Systems plans cover: HVAC (heating, ventilation, air conditioning), plumbing (pipes, faucets, toilets), electrical (wiring, panels, switches), water heater, ductwork.

Appliance plans cover: Refrigerator, oven/range/cooktop, dishwasher, washer and dryer, garbage disposal, microwave.

Combo plans cover: Both systems and appliances.

Premium add-ons may include: Pool and spa equipment, well pump, septic system, central vacuum, second refrigerator. Call (888) 339-8681 for specific plan details.

Home warranties typically do not cover: structural components (roof, foundation, walls), cosmetic issues, damage caused by misuse or neglect, outdoor fixtures (sprinkler systems, fences), items still under manufacturer warranty, and pre-existing conditions that were known at the time of purchase. Coverage exclusions vary by provider and plan, so always review the specific terms. Our specialists can help explain exactly what's covered when you call for a quote.

Many home warranty plans do cover pre-existing conditions — meaning issues that existed before the warranty was purchased but were unknown to the homeowner. This is a major advantage of home warranties, especially for buyers of older homes. However, coverage for pre-existing conditions varies by provider and plan. Some may have specific terms or limitations. Call us at (888) 339-8681 to learn which plans offer the best pre-existing condition coverage for your situation.

No. The vast majority of home warranty providers do not require a home inspection. You can get coverage regardless of your home's age, size, or condition. This makes it easy and fast to get protected — often within minutes of your call.

This depends on the provider. Some warranty companies use their own network of licensed, vetted technicians. Others allow you to choose your own contractor and get reimbursed. During your free consultation call, our specialists can help you find a plan that matches your preference for technician selection.

Home warranty plans typically range from $29.99 to $49.99 per month ($360–$600 per year), depending on the level of coverage. Basic systems-only plans are the most affordable, while comprehensive plans covering both systems and appliances cost more. Annual plans usually offer significant savings over monthly billing — currently $200 off with our limited-time offer. Call (888) 339-8681 for an exact quote based on your home.

A service fee (also called a trade call fee or service call fee) is a fixed amount you pay when a technician visits your home to diagnose and repair a covered item. Service fees typically range from $75 to $125 per visit. This is the only out-of-pocket cost you'll pay for a covered repair — the warranty handles the rest, whether the repair costs $200 or $5,000. Some plans offer lower service fees for a slightly higher monthly premium.

Reputable home warranty companies are transparent about their pricing. Your costs include: the monthly or annual plan premium, and the service fee per repair visit. There should be no enrollment fees, cancellation penalties within the guarantee period, or surprise charges. We recommend reviewing the full contract terms before purchasing, and our specialists can walk you through everything during your free consultation call.

Filing a claim is simple and can be done 24/7:

1. Report the issue — Call the claims hotline or submit a claim online.
2. Get a technician assigned — A licensed, vetted service professional is dispatched, typically within 24–48 hours.
3. Get it fixed — The technician diagnoses and repairs the issue. You pay only your service fee.

For emergencies (like no heat in winter or a major plumbing leak), many providers offer expedited service.

Most warranty providers aim to have a technician at your home within 24–48 hours of filing a claim. For standard repairs, the issue is often resolved in a single visit. More complex repairs or those requiring parts may take additional time. Emergency situations (like a broken heater in winter) are typically prioritized for faster service.

If a covered item cannot be repaired, most home warranty plans will cover the replacement cost up to the coverage limits specified in your contract. The replacement will be a comparable unit. Coverage limits vary by plan and item, so it's important to review these details when choosing your plan. Our specialists can explain the replacement terms of each plan option.

Most home warranty plans do not have a limit on the number of claims you can file during the contract term. You can file as many claims as needed for different covered items. However, there are typically per-item coverage caps (the maximum amount that will be paid for repair or replacement of a specific item). Premium plans often offer higher caps and some offer unlimited service calls.

Most home warranty plans have a standard 30-day waiting period before coverage begins. This is an industry-standard practice designed to ensure that customers don't purchase a warranty only after something has already broken. Some providers may offer reduced waiting periods during special promotions. Call us to ask about current offers.

Yes, you can cancel at any time. All plans come with a 30-day money-back guarantee — if you cancel within 30 days for any reason, you receive a full refund. After 30 days, you can still cancel and receive a prorated refund for the unused portion of your contract. There are no cancellation penalties or hidden fees.

Most home warranty contracts are set for a one-year term. Renewal policies vary by provider — some auto-renew while others require you to opt in. You will typically receive advance notice before your renewal date, giving you time to review your options, change your plan, or cancel. Our team can help you navigate renewal options when the time comes.

Yes, most home warranty plans are transferable. If you sell your home, the warranty can typically be transferred to the new owner for the remainder of the contract term. This can be a valuable selling point when listing your home, as it provides buyers with added peace of mind and protection from day one.