Home Warranty Coverage
A closer look at the plan types I set up and the equipment each one protects.
Three Ways to Build Your Plan
Every plan I set up starts with one question. What in your house would hurt most to fix out of pocket?
For What Runs Behind the Walls
Heating, cooling, plumbing, water heating and electrical. The parts of a house you rarely see until one of them quits.
- Furnaces and central air
- Pipes, drains and valves
- Panels, wiring and outlets
For What You Use Every Day
Kitchen and laundry machines that carry the daily load and wear out from honest use.
- Refrigerators and dishwashers
- Ranges, ovens and cooktops
- Washers and dryers
For the Whole House Together
Systems and appliances under a single yearly contract, with the same service fee for every request.
- Both groups on one plan
- One renewal date to track
- One place to file requests
What I Can Put on Your Plan
Six groups of equipment, each described the way I would explain it across a table.
Heating and Cooling
When a blower motor, compressor or thermostat wears out, the plan sends a technician and pays for the covered fix.
Plumbing
Leaks inside the walls, stopped drains and worn toilet parts are the requests I see filed most often.
Water Heating
Tank or tankless, gas or electric. Failed elements, burners and valves all fall under this group.
Kitchen Appliances
The fridge, the range, the oven, the dishwasher and the microwave mounted over the stove.
Laundry Appliances
Washer and dryer parts such as drums, pumps, belts and the boards that control them.
Electrical System
The breaker panel, the wiring behind the walls, and the outlets and switches you touch every day.
What a Plan Pays For and Where It Stops
A home warranty answers one kind of trouble, which is parts that fail from age and normal use. I want you to see both sides before you sign.
Inside the Plan
- Breakdowns caused by ordinary wear
- Parts and labor for an approved repair
- A replacement when a covered item cannot be fixed
- Equipment of any age that works when coverage begins
Outside the Plan
- Damage from storms, fire or flooding
- Problems that existed before the start date
- Cosmetic flaws such as dents and scratches
- Costs above the limit written in the contract
How Home Warranty Coverage Works, Start to Repair
Step 1 - Pick What to Cover
Choose systems, appliances or both, then list the equipment your house has.
Step 2 - Start the Plan Term
Coverage runs for a year. A short waiting period comes before a first request.
Step 3 - Request a Repair
A covered item fails, you file online, and one service fee is due per visit.