Everyday breakdowns
May help pay to repair or replace specifically covered systems and appliances that stop working from normal wear and tear, subject to the plan’s terms, caps and exclusions.
2-minute homeowner guide
When a major appliance breaks, would your budget be ready?
A home warranty service contract may help with eligible repair or replacement costs for covered home systems and appliances. Here is how the process works — and what homeowners should review before choosing a plan.
Plan availability, pricing, service fees, coverage limits, exclusions, waiting periods and promotional terms vary. Review the provider’s current agreement before enrolling.
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HVAC
Heating & cooling
Kitchen
Major appliances
Home
Key systems
Service contract—not insurance
Intended for certain eligible breakdowns caused by normal wear and tear,
subject to the selected agreement.
One service-request process
Contact the provider when a covered item fails and follow its approved
service process.
Contract details matter
Compare covered items, limits, exclusions, service fees and effective dates.
START WITH THE BASICS
Home warranty vs. homeowners insurance
Both may help protect a homeowner financially, but they generally address different types of events.
Covered hazards and losses
Generally addresses covered events such as fire, theft, storms or certain liability claims—not ordinary mechanical failure from age or routine use.
How a home warranty typically works
The exact process varies by provider and plan, but most home warranty service contracts follow three basic steps.
1
Choose a plan
Select coverage based on the systems and appliances in your home. Read the current agreement before enrolling.
2
Request service
If a potentially covered item breaks, submit a service request through the provider’s approved process.
3
Diagnosis and resolution
A technician evaluates the issue. Eligible repair, replacement or other resolution is handled according to the contract.
What may be included?
Coverage depends on the chosen plan. The categories below are common examples only; an item is not covered unless it is included in the provider’s current agreement.
IS IT A FIT?
A plan may be worth comparing when…
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Your systems or appliances are getting older
Older equipment can create more uncertainty around future repair needs.
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You prefer a defined service-request process
A plan can provide one point of contact for potentially eligible
breakdowns.
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An unexpected repair could disrupt your budget
Coverage may reduce some eligible out-of-pocket costs, within the
plan’s terms and limits.
See which home warranty plans are currently available
Review the provider’s current options, pricing, service fees, coverage limits, exclusions and promotional terms before deciding.
View Plan OptionsYou will be redirected to a third-party home warranty provider’s quote page. Requesting a quote may require contact information and consent to receive communications.