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Best Home Warranty Companies Review: 2019 Plans, Costs & Coverage

Jordan Beaumont
Financial Guru
Updated: 1/2019

Home Warranty Company ReviewFor most people, your home and the things in it are the most expensive things you’ll own. That makes sense, as these are the most vital aspects of your life which you use nearly every single day.

However, all of this value concentrated in one place can lead to problems. If something important breaks or your home needs major repairs, then you could be faced with a huge financial headache.

Table of Contents

Background

There are many different options to help you out should the worst happen. These options come in the form of different home warranty plans.

We put together this helpful home warranty review to assist you in making sure that your most valuable possessions are protected. We’ll cover the basics about home warranties, go over the different types of home warranty plans, and help you understand some of the terms you might seem in the fine print. Finally, we’ll cover the five best home warranty companies on the market today.

Understanding Home Warranties

The most important thing to understand is that there are lots of different types of home warranties. We’ll go over the basic types of warranty in the next section. However, the thing that all home warranties have in common is that they provide protection from major costs should something bad happen to your home and/or its major appliances.

In this way, a home warranty is a bit like an insurance policy. It protects you from large, unforeseen expenses that could devastate your financial situation, or even cost you your home.

Different Home Warranty Plans

Every home warranty company has different products with their own unique features and aspects. However, home warranty plans can generally be broken up into four different major types: appliance plans, system plans, hybrid plans, and add-ons.

It’s vital that you read the actual terms of any home warranty you’re considering. After all, what’s included in one company’s appliance plan may not be included in another company’s offering. Knowing exactly what’s covered is the key to getting the most out of your home warranty.

Home Warranty Company Review

Appliance Plans

Appliance plans cover the basic appliances in your home. That includes things like range tops, dishwashers, washing machines, dryers, built in microwaves, and so on. Refrigerators may or may not be covered by these policies, which demonstrates why it’s important to understand the actual terms of your agreement.

Systems Plans

A system-based plan will cover the core systems of your house. That means they protect heating systems, air conditioning systems, pipes and plumbing, wiring and electricity, water heaters, and so on. These plans are a great way to avoid paying high costs if a major system in your house breaks down.

Hybrid Plans

Hybrid plans are the home warranty version of comprehensive coverage. They’ll offer protection for some combination of systems and appliances. These plans tend to cost more than just appliance plans or systems plans by themselves. However, they provide more protection, so you can get more value from them depending on your specific situation.

Add-Ons

There are lots of other aspects of a home that don’t fall into the systems or appliances category. That means they won’t be included in a hybrid plan either. Add-ons let you include protection for things that aren’t normally covered by your plan. Some common home warranty add-ons include things like spas, pools, septic systems, and wells.

Important Terms and Conditions for Home Warranties

Any financial product can be confusing, and home warranties are no different. You should always understand the fine print in any contract you sign, but there are some specific things with home warranties you should look out for to make sure you know how your coverage works. Some of the most common home warranty fine print terms you need to know include unexpected only, pre-existing conditions, service restrictions, coverage limits, and waiting periods.

Unexpected Only

If your home warranty only covers unexpected fixes, then you could be in for a shock when your systems or appliances break down. This is especially an issue with older homes or those that haven’t had full and complete maintenance performed on them. Understanding this restriction can help you plan your finances for large, expected repairs or replacements for vital parts of what makes your house a home.

Pre-existing Conditions

The next restriction that shows up in the fine print of home warranties deals with pre-existing conditions. This restriction means that the warranty won’t cover issues that exist in your home before you sign the home warranty. As a result, you can’t use a home warranty to get coverage for something that’s already broken.

Service Restrictions

One of the ways that home warranty companies make money is by working out deals with contractors. The home warranty gives the contractor a lot of work, and the contractor gives the home warranty company a better price on this work.

That means that most home warranties require you to contact the home warranty provider to arrange for repairs on your home. If you call your own repair service, then your warranty may not reimburse you for the costs. Even if you do get reimbursed, you may get less than you spent because you went outside of the warranty’s approved contractor network.

Coverage Limits

Another important restriction that shows up in the fine print of home warranties is coverage limits. These are the conditions where the home warranty will or will not cover your costs. For example, your refrigerator might be covered, but the ice maker in it might not be.

Coverage limits are an important aspect to ask questions about when you’re reviewing a home warranty contract. If there’s any doubt or lack of clarity, then you should demand that the answer to your question is specifically written into the contract. In the example above, you might ask about the ice maker before you sign the agreement. If the sales rep tells you it will be covered, then ask for that to be explicitly listed in the contract.

Waiting Period

Finally, most home warranties have some kind of a waiting period. This might be anywhere from 15 to 30 days long. Your home warranty protection doesn’t apply during the waiting period. This is intended to prevent people from signing up for a home warranty right before they’ll need the protection because they can tell something is on the verge of breaking.

Sometimes there are ways around a waiting period. For example, some companies will waive the waiting period if you can prove that you’ve had continuous coverage on your home. Once again, be sure that any clarifications are explicitly listed in the contract you sign on to.

Home Warranty Company Review

Home Warranty Company Reviews

Now that you’ve got a better understanding of what home warranties are, how they work, the different types of home warranties, and some of the things you need to be careful of, it’s time to look at some of the different home warranty companies on the market today.

We’ve picked five of the very best home warranty companies to review. We’ll give you a brief description of the company and its services, list the pros and cons for that company, and deliver a verdict that explains who would benefit most from that company’s services.

American Home Shield

American Shield is a great overall home warranty company. They do a bit of everything and they do it all pretty well. That makes them a good all-around option when you’re considering a warranty to protect your house.

Pros

The biggest benefit of American Home Shield is the fact that they place a strong emphasis on transparency. That’s essential with any kind of financial product or complex contract. Sales representatives are extremely knowledgeable about the different products the company offers. Moreover, when they don’t know the answer, they’re very good about getting you to someone who does so you can understand the terms of your contract.

Another benefit of American Home Shield is that they have customizable plans. They call it the Build Your Own plan. This is the only plan of its type on the market today, and really helps American Shield stand out.

The way it works is simple. You pick 10 appliances and/or systems in your home you want covered. That means you can get the protection you need without paying for things you don’t. For example, you don’t want to pay to protect your dishwasher if you don’t own a dishwasher. In the same way, if you have a brand-new system in your house, then you can pick something else for coverage to get better value.

Cons

Every product or service has at least one downside, and American Home Shield is no exception. We have two major issues with the company that should give you a bit of pause when you’re making your decision.

The first issue is that the service isn’t available everywhere. That’s because AHS sends a local contractor to diagnose damage and come up with a solution. Make sure you ask about the AHS coverage for your specific address when you’re considering a contract. This is important because AHS isn’t likely to cover or reimburse you for repairs from an unauthorized contractor. If there’s a lack of qualified contractors in your area, then you could wind up waiting for a long while before you get your house fixed.

The other issue is that American Home Shield has a lower cap on plumbing expenses than many of the other companies we looked at. They only allow a $1,000 limit. It’s enough to cover most common issues, but major repairs will almost assuredly go over that limit.

Verdict

If you live in an area with great American Home Shield Coverage and aren’t worried about your plumbing system, then American Home Shield is likely to be your best option. You should always shop around before agreeing to anything, but AHS is a great place to start.

Sears Home Warranty

The next great home warranty company is Sears Home Warranty. This option is best if your primary concern is making sure your home repairs actually fix the problem. Seas offers a 180-day workmanship guarantee, which is almost twice as long as some of the other options. 

Pros

The first benefit of Seas Home Warranty is the 180-day workmanship guarantee. While we take things like heating, plumbing, and electricity for granted, these are actually incredibly complex systems. Therefore, it’s possible that a problem can be “fixed” without really being fixed. With Sears, if you have problems up to six months after a repair takes place Sears will waive the service fee to make sure the job is done right.

Another benefit that Sears Home Warranty offers are the higher-than-normal coverage limits. Everything other than swimming pools and professional-grade appliances are covered up to $10,000. That’s a huge coverage limit, especially when you consider that many home warranty companies limit their coverage to $500.

Sears Home Warranty also gives you benefits that you don’t get at many other home warranty companies. Our favorite perk is the fact that Sears Home Warranty customers get free maintenance checks on their heating and cooling systems every year.

These kinds of annual maintenance tasks are usually required by any home warranty company. The fact that Sears just does them for you for free means one less thing you need to worry about.

Cons

The primary drawback of Sears Home Warranty is the price point. Sears is, on average, about $10 more per month than plans from other companies that offer a similar level of coverage. This may not be a big deal month-to-month, but over the course of your contract it can add up to a huge cost difference.

The other drawback is that Sears, as a company, has been having problems lately. Its parent company declared bankruptcy recently, and the future of the home warranty division is uncertain. However, Sears does use an independent company to underwrite their home warranty products, and the company has stated that all Sears Home Warranty Customers will be honored regardless of what happens with the rest of the company.

Verdict

Sears Home Warranty is a great option for people that want higher limits, excellent perks, and don’t mind paying a bit more for those benefits. However, if price is the most important thing to you, then one of the other companies on our list might be the better option.

Home Warranty Company Review

Total Protect Home Warranty

Total Protect Home Warranty makes our list because of the extremely generous liability limits the company gives in its warranties. That means you can feel safe knowing that your high-value appliances and systems will be covered in full should the worst happen.

Pros

The biggest benefit of Total Protect is that they don’t have any liability limits on most appliances and systems. The systems that are capped are uncommon, like underground heating systems and water supply plumbing systems. However, these systems get a $1,500 limit, which should be sufficient to handle any issues.

Another benefit of Total Protect Home Warranty is the comprehensive nature of their coverage. Their plans cover everything from delicate, expensive systems all the way to things like doorbells and garage door openers. Moreover, there are several options for your protection so you get what you need without paying for extras you don’t.

Cons

The first issue we have with Total Protect Home Warranty is that it’s a bit more expensive than comparable policies from other companies. For example, their combo plan is $5 more than American Home Shield’s similar option. Remember, these small differences might not seem like a big deal, but when you expand that extra $5 per month to 12 months, that’s $60. If you keep the policy for five years, then you’re paying $300 more for coverage.

The other issue that we have with Total Protect Home Warranty is that they don’t have custom options. They have different plans so you can find something that comes close to matching your exact needs, but you’ll face the dilemma of paying for something you don’t need, or missing out on coverage you do need.

Verdict

Total Protect Home Warranty is an excellent option for people that have expensive appliances or systems in their home. The lack of a coverage cap means that your professional-grade kitchen will be safe no matter what happens.

First American Home Warranty

The protection offered by First American Home Warranty is ideal for people that want to minimize service fees. Their fees are a flat rate, which means that you’ll know exactly how much you’re on the hook for whenever something breaks down.

Pros

The first reason to consider First American for your home warranty needs is that they have flat-rate service fees. The service fee is $75 for all the plans they offer. This is great because the service fee you pay acts sort of like a deductible when it comes to home warranties. The lower your service fee, the higher your monthly premium.

First American combines a reasonable $75 service fee with solid rates. In fact, picking a comparable plan from another company with a $75 service fee will result in you paying about $100 more per year for your home warranty contract.

Transparency is another benefit that you get with First American. Their contracts are very clear and organized. That makes it easy to understand what each plan covers and what each plan excludes. That way there’s no doubt as to whether or not a particular plan will fit your needs.

Finally, First American offers solid coverage for essentials and a few extras. It’s an especially good choice for people that are primarily concerned with their kitchen, as you can include things like a well pump, water heater, and ductwork as well as your standard appliances.

Cons

The biggest drawback of First American is that they only offer a 30-day recall period. That’s the lowest out of the companies we reviewed. If there’s a defect in a part or a repair doesn’t go properly, then you’ve only got 30 days to spot the issue and get it fixed without paying for another service fee. Compare that to the 180 days that Sears offers and you can see the difference.

The other downside of First American is their limited coverage availability. There are eight states that First American won’t service, which include extremely populous states like New York and Illinois. That means there’s a chance they might not be available where you live.

Verdict

First American is an excellent option for homeowners that want to protect their basics and have reasonable premium with a low-cost service fee. However, make sure they operate where you live before you spend too much time committing to them.

Complete Protection Home Warranty

Complete Protection Home Warranty is a good option for a fire and forget home warranty. Complete Protection doesn’t charge service fees or deductibles for repairs. That means your home will be protected for a fixed and known cost each month.

Pros

The lack of fees is the biggest selling point for Complete Protection. Other companies can charge you anywhere from $50 to $150 for a service visit to simply diagnose the problem. Moreover, with other companies the premium you pay each month is affected by the service fee you pick. Lower service fees result in higher premiums. This can lead to an anxiety-inducing gamble where you try to decide how much you’re willing to pay for a service fee versus what the affect will be on your premium.

Another benefit that you get with Complete Protection is that they don’t exclude items because of a lack of maintenance. Most other home warranty companies require that you get regular maintenance and inspections (paid for out of your pocket) for your coverage to remain valid.

Cons

The number one drawback of Complete Protection is their lack of coverage. As of this writing, the service is only available in 33 states. Moreover, their network of certified contractors and technicians is a bit slim. That means you might have a longer wait before you get any issues diagnosed and repaired.

Verdict

Complete Protection Home Warranty is a great option for people that don’t want to think too much about their home warranty. The lack of fees and solid coverage mean that you can be confident when it comes to how much it will cost to keep your home’s appliances and systems functioning at their best.

FAQ

General Home Warranty Company Questions

In this section, you will find frequently asked questions pertaining to home warranty companies.

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What is a home warranty?

A home warranty is a specific type of contract that helps to cover necessary repairs, system replacements and appliances in a home for a limited period for one year. This is a contract most homeowners have upon purchasing their home.

Are home warranties worth it?

This depends on a variety of factors. Keep in mind that the cost of home warranties can be expensive, so if you need coverage on repairs, system replacements or appliances that cost more than the coverage allowed, then a home warranty may not be worth it.

How does a home warranty work?

A home warranty works by offering overage to pay for the cost of certain repairs, system replacements or cost of appliances that have failed due to normal wear and tear on a home.

Should I get a home warranty?

This will depend on your home situation. You need to understand that a home warranty can work great for some home owners. You are given a certain amount each year for repairs.

What is a home warranty when buying a house?

A home warranty when buying a house is a contract that offers coverage on the home while it is still on the market. This warranty is then transferred to a new home owner for one year after the closing date of the sale.

Can I buy a home warranty after closing?

This depends on whether your home is currently covered under a home warranty regardless if you have lived in it for months or years. However, you can purchase a home warranty for a home after closing if you wish.

How do I know if I have a home warranty?

The best way to know if you have a home warranty is if you were required to sign any paper work during the sale and purchase of a new home. You can also ask the real estate agent if the home you are interested in purchasing has current home warranty coverage.

Should I renew my home warranty?

This will be dependent on your needs as a homeowner. You will need to take into consideration a few factors such as:

  • How old your home is.
  • What is covered under your existing home warranty.

Who regulates home warranty companies?

Most home warranty companies are regulated by the Commissioner’s of Insurance. However, keep in mind, that in most US states, there is no mandatory regulation or oversight of most home warranty companies.

Can you get a home warranty after purchase?

Yes. However, in order to purchase a new home warranty policy, you will need to make sure that you don’t have a currently home warranty policy on your home. The best way to make sure is to ask a real estate agent or previous home owner during the purchasing process.

Can you switch home warranty companies?

Yes. You can switch home warranty companies whenever you wish. However, when finding a new home warranty company, be sure to read the fine print carefully to ensure what items are not covered under a new home warranty company.

Does State Farm have a home warranty?

No. While State Farm does not offer home warranty policies, they do offer homeowners home and property insurance. Keep in mind, this type of insurance is much different than a home warranty and may not cover the same items as a home warranty will cover.

Where can you buy a home warranty?

Homeowners can purchase a home warranty from several home warranty companies such as:

  • AFC Home Club
  • America’s Preferred Home Warranty Inc.
  • Complete Protection
  • Landmark Home Warranty
  • American Home Shield
  • HAS Home Warranty
  • Home Warranty of America

When to buy home warranty?

The best time to buy home warranty for your home is whenever you think it is necessary. Typically, the best time to purchase a home warranty is when your home is placed on the market to protect it in the case of wear and tear occurs on the home.

Where is First American home warranty located?

First American home warranty is located is Canoga Park, California. However, First American home warranty serves over 550,000 customers nationwide and has three major offices located in the United States.

What is the difference between a home warranty and homeowner’s insurance?

The difference between a home warranty and homeowner’s insurance is:

  • Home Warranty-a service contract that helps to provide repairs or replacements for system components or appliances that fail within a home from normal wear and tear.
  • Homeowner’s Insurance-a type of insurance policy that helps to cover accidental damage to a home and belongings that have been caused from theft, fire, storms or general liability.

Why do I need a home warranty?

A home warranty is a good service contract to have to help reduce the potential costs for homes or appliances that are much older or to help protect homes from damage once they are placed on the real estate market.

What is HMS home warranty?

HMS home warranty is a home warranty company that offers home warranty policies to help protect home owners against the cost of repairs and replacing systems and appliances within a home.

Who orders the home warranty?

The person that typically orders a home warranty on a home will be the homeowner or a new homeowner that is going to be purchasing the home during a real estate sale.

Who regulates home warranty companies in Texas?

Home warranty companies in Texas is regulated by the Texas Real Estate Commission. However, keep in mind that most companies in Texas do not, by law, have to be regulated in order to operate.

Can I purchase a home warranty anytime?

Yes. It is up to the homeowner when they want, if at all, to have a home warranty on a home. It is typically recommended to add a home warranty on a home during the sales process of a home.

Does Costco offer a home warranty?

No. While Costco offers various protection plans from everyday objects such as a washer or dryer, computer, tablet or TV, they currently do not offer any home warranty policies for homeowners.

How long has Choice home warranty been in business?

Choice home warranty has been in business since 2008. It is a New Jersey based home warranty company that has been offering comprehensive protection against the cost of repairs and replacements since its inception.

How to cancel First American home warranty?

The best way to cancel a home warranty policy with First American home warranty is to call a representative with the company directly to request a cancellation on your policy via the phone number 1-800-992-3400.

Is American home shield warranty worth it?

This will be dependent on what you need from a home warranty company. It may not be ideal for homeowners who have more in costs for repairs than what is covered under a home warranty.

Is Home Depot warranty worth it?

Yes. Home Depot offers warranty and protection plans that include parts and labor, reimbursement or replacements, no deductibles and in-home services for those who qualify. These warranties offer coverage on a variety of products you use every day.

Do home warranty companies do an inspection?

Yes. Some home warranty companies will require a potential home inspection, especially if you are purchasing a home without a currently home warranty policy. This inspection will ensure that any failed systems or appliances are covered until the home warranty.

Do realtors get a commission on a home warranty?

It is most likely. Remember, a realtor’s career is mostly based on commissions. Most real estate agents encourage buyers to purchase a home warranty policy mostly due to the fact they receive a commission based on the policy and how many are sold within a given month.

Does Geico offer a home warranty?

No. Geico doesn’t typically offer home warranty policies. However, Geico does offer home insurance policies. Keep in mind that home insurance policies are much different than home warranty policies and may not offer the same protections.

Is a home warranty required at closing?

No. It is up to the home buyer whether or not they want to have home warranty. Typically, a home warranty policy payment is due at closing. This fee is typically covered by the buyer of the home. However, it may be covered by the sellers as included in a contract.

Who regulates home warranty companies in California?

Home warranty companies in California is regulated by the California Department of Insurance and the Home Warranty Association of California. However, keep in mind that home warranty companies do not have to be regulated by law.

Is Choice home warranty BBB accredited?

No. Choice Home Warranty is not currently accredited by the Better Business Bureau, even though it currently has a B- rating by the BBB. This just means that Choice home warranty has chosen not to pay the additional cost for BBB accreditation.

How do you know if you have a home warranty?

The best way to know if you have a home warranty on your home is to check with the realtor or check the closing contract to see if it has been offered with the purchase of the home.

Types of Home Warranty

In this frequently asked question section, you will find commonly asked questions pertaining to the cost of home warranties.

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What is the best home warranty company?

There isn’t just one best home warranty company. Every home warranty company has its own advantages and disadvantages. The best home warranty companies include:

  • American Home Shield Home Warranty
  • Sears Home Warranty
  • Total Protect Home Warranty

What is a 2, 10 home warranty?

A 2, 10 home warranty is a type of home warranty policy that covers repairs and replacements on certain home systems and appliances including:

  • Plumbing
  • Furnace systems
  • Air conditioners
  • Hot water heaters
  • Electrical wiring

What does a 2, 10 home warranty cover?

A 2, 10 home warranty policy will typically cover certain home systems and appliances, including parts and labor required. It also covers home systems such as plumbing, furnace systems, air conditioners and cooling systems.

What does Fidelity home warranty cover?

Fidelity home warranty policies offer standard coverages including:

  • Whirlpool bathroom motor pumps
  • Recirculating hot water pumps
  • Water heaters
  • Heating and ductwork
  • Electrical systems
  • Telephone systems
  • Garage door openers
  • Ceiling fans
  • Attic and exhaust fans
  • Smoke detectors
  • Doorbells
  • Dishwashers
  • Ovens
  • Built-in microwaves
  • Trash compactors
  • Instant hot water dispensers

What is AWG home warranty division?

AWG home warranty division is Aegis Home warranty division. It is a home warranty company that offers home warranty policy plans that cover repairs and replacements on home systems and common home appliances.

What is HSA home warranty?

HSA home warranty is a home warranty company that operates as a service contract that helps homeowners to safeguard against the expensive costs of repairs or replacements covered under the home warranty policy.

What to look for in a home warranty?

Some of the things you should look for in a home warranty company and policy include:

  • The price of the home warranty policy.
  • What is covered under the policy.
  • What are the restrictions of the home warranty policy.
  • Customer reviews.
  • Better Business Bureau rating of the home warranty company.

What is Old Republic home warranty?

Old Republic home warranty is a popular home warranty company that helps homeowners to save money from unforeseen home system and appliance repairs or replacements. The company has mostly positive reviews from policy holders.

Home Warranty Coverage

In this section, you will find commonly asked questions regarding certain home warranty coverages.

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What does a home warranty cover?

What a home warranty policy will cover will be dependent on the area. Most home warranty policies cover:

  • Central air systems
  • Central heating systems
  • Certain kitchen appliances
  • Washer and dryers
  • Plumbing systems
  • Electrical systems
  • Roof leaks

Is Total Protect home warranty worth it?

This will depend on what you need covered under a home warranty policy. If you currently have systems or appliances that require more repairs and replacements that are more expensive than what your plan will cover, it may not be worth the cost.

What does American Home Shield warranty cover?

You will have to double check with your contract to see exceptions and approved of items that are covered under a home warranty policy. Most American Home Shield warranty policies typically covers:

  • Central heating ventilation air conditioning systems
  • Hot water heaters
  • Plumbing systems
  • Electrical systems
  • Washers and dryers
  • Refrigerators
  • Stoves

What does a 2, 10 home warranty cover?

A 2, 10 home warranty policy will typically cover certain home systems and appliances, including parts and labor required. It also covers home systems such as plumbing, furnace systems, air conditioners and cooling systems.

What does first American home warranty cover?

Some items and systems that are covered may be dependent on the type of coverage plan purchased. Most American home warranty policies cover:

  • Systems-heating, ductwork, central air conditioning, electrical systems, garage door openers, exhaust fans and central vacuum systems.
  • Plumbing-plumbing systems, toilet tanks and bowls, water heaters, circulating pumps, sump pumps and pressure regulators.
  • Appliances-built-in microwaves, washers, dryers, dishwashers, kitchen refrigerators, garbage disposals, instant hot water dispensers and trash compactors.

Does Home Depot warranty cover Milwaukee tools?

Yes. Home Depot’s warranty does cover Milwaukee tools. However, warranty registration is not necessarily needed in order to obtain a warranty for the power tool product. The manufacturing date of the product is used to determine what warranty period is offered.

How long is a roof warranty on a new home?

Most warranties on a new home will cover roof repairs or replacements for up to 10 years. This warranty typically includes a warranty on structural irregularities, 1 to 2 years of materials and workmanship required for repairs.

Can you buy a home warranty for a rental property?

Yes. A home warranty can be purchased for any type of home at any time. An advantage to having a home warranty on a rental property is that it can take away the work and stress associated with repairs and replacements.

Can you get a home warranty on an older home?

Yes. You can get a home warranty on an older home at any given time. You will have to talk with a home warranty company representative first hand to ensure that any it will cover any necessarily repairs and replacements.

Does USAA have home warranty insurance?

Yes. USAA offers home warranty insurance. This type of home warranty is backed by reputable partners. You will have to check the contract and fine print carefully to ensure a policy will cover all of the necessary repairs you need for your home.

What is the duration of a home warranty coverage?

The duration of a home warranty policy will cover a home from one month to up to one year. This is dependent on the agreed upon duration of coverage after closing or if the new homeowners plan to continue home warranty payments after this time.

When does a home warranty take effect?

A home warranty policy typically begins up to 30 days after the payment receipt or the day of the home sale closes. This plan will stay in affect for up to 1 year after the plan goes into effect.

Home Warranty Cost

In this frequently asked question section, you will find frequently asked questions pertaining to the cost of home warranty policies.

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How much does a home warranty cost?

A home warranty policy can cost between $350 to $600 a year. This is dependent on the type of coverage purchased and if the homeowner plans to add an additional $100 to $5000 in additional coverage.

Who pays for a home warranty: a buyer or seller?

A home warranty policy is typically purchased by the seller upon sale of a new home. This policy can also benefit the seller. However, a buyer of a home can add a home warranty onto a home they purchase if the house is not currently covered a home warranty policy.

How much does Choice home warranty cost?

A home warranty policy from Choice Home Warranty can have a cost between $370 a year for a basic home warranty plan to $450 a year for a total home warranty plan. There is also a charge of $60 for a service call fee.

How much does a home warranty cost per month?

The cost of a home warranty policy can be different depending on the type of home warranty policy and if a homeowner purchases any additional protections. Most home warranty policies will cost between $350 to $800 a year for protection.

How much should I pay for a home warranty?

As a homeowner, you should expect to pay between $350 to $600 a year for a basic home warranty protection policy. However, keep in mind that the cost can increase based on additional protection for opt in on.

How much is a home warranty for a year?

The typical cost of a home warranty policy for a year can cost as high as $650 or more in basic protection. This can increase in price if additional protections are purchased or depending on the type of coverage purchased.

Types of Home Warranty Coverage

In this frequently asked question section, you will find commonly asked questions pertaining to the types of coverage offered by home warranty policies.

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Does home warranty cover the roof?

Yes. Most home warranty policies cover repairs and replacements on roofs that have been damaged due to regular wear and tear. A typical home warranty policy will cover only roof leaks.

How to get a home warranty to replace an air conditioner?

The best way to get a home warranty to replace an air conditioning system is to contact your home warranty company directly. From here, they may require a home inspection to see what exactly needs to be replaced and to see if your current home warranty plan covers it.

Does a home warranty cover plumbing?

Yes. As a general rule, most home warranty companies will cover repair costs and replacement costs for most home plumbing systems. This warranty may also cover any costs associated with repair components.

Does a home warranty cover mold?

Unfortunately, no. Due to the fact that mold is typically caused by water leakage that is caused by poor ventilation or water damage, most home warranty policies do not cover these types of repairs or replacements.

How to get a home warranty to replace an oven?

The best way to get a home warranty company to replace an oven is to contact your home warranty policy holder directly to see if your current home warranty plan will cover a replacement on an oven.

Do home warranties cover windows?

No. Most home warranty companies do not offer protections, repairs or replacements on windows. However, some home warranty companies may offer protection on home windows with an additional add-on charge.

Does home warranty cover electrical issues?

Yes. Most home warranty policies will offer repair and replacement services on any electrical systems in a home. This protection usually includes components associated with home electrical systems. It will be dependent on what is covered under your personal home warranty policy.

Does home warranty cover a garage door?

It depends on the type of home warranty policy and the home warranty company. However, most home warranty policies do not cover repairs or replacements on garage doors. However, a home warranty policy may be able to cover a garage door opener as part of the policy.

Does home warranty cover a roof replacement?

Yes and no. Most home warranty policies will offer a limited amount of protection against a rook leak. If a roof requires a complete roof replacement, most home warranty policies will not cover the cost.

Does a home warranty cover foundation repair?

No. Home warranty companies will only cover costs or repair and replacements for home systems and appliances. This does not include a repair on the home foundation. Only a home builder can offer extended warranties that are meant to cover structural damages to a home’s foundation.

Does a home warranty cover an ac compressor?

Yes. Most home warranty companies will offer repair and replacement protection for HVAC systems including central air and central heating conditioning systems. However, keep in mind some of these costs may be covered through the addition of an upgraded home warranty plan.

Does a home warranty cover asbestos removal?

No typically. Most home warranty policies will not cover expenses associated with asbestos. However, it is best to check with your home warranty company and policy to see if anything is covered under your current policy.

Does a home warranty cover a sewer line?

Yes. As a qualified home system, a sewer line is covered under the plumbing protection offered by most home warranty companies. This plan can include covering repairs and replacements for important components of a sewer line.

Are slab leaks covered by a home warranty?

Yes. Most home warranties will cover slab leaks as a part of a home warranty policy because a slab leak may be the cause of a plumbing system acting up. Since plumbing systems are covered under a home warranty policy, repair or replacement of a slab leak may also be included.

Does a home warranty cover a hot water heater?

Yes. Most home warranty companies will cover the cost of repairing or replacing a hot water heater as part of their policy. However, you may have to double check your policy to see if your company covers this.

Does a home warranty cover water damage?

No. While a home warranty policy may not cover water damage directly, it could cover the repair or replacement of a water heater that may be covered under your currently home warranty plan.

How to get a home warranty to replace a furnace?

This depends on the home warranty company and your particular home warranty policy. Most home systems are covered under a home warranty as well as a few appliances. You will have to check with your home warranty company to see if it is covered.

Do home warranties cover sprinkler systems?

This is dependent on the home warranty company.   Some home warranty companies will offer additional add-on plans that cover sprinkler systems. However, basic home warranty policies will not cover sprinkler systems.

Does a home warranty cover a fireplace?

Not typically. Home warranty companies only cover specifically approved appliances and home systems. This does not usually include fireplaces. However, a home warranty company may include additional protections for fireplaces for an additional price.

Does a home warranty cover a furnace?

Yes. A home warranty company will offer home warranty policies that include covering costs for repairs and replacements of home systems, including furnaces and additional repair or replacement components associated with it.

Does a home warranty cover pest control?

Typically, no. However, some home warranty companies will offer additional home warranty services that includes covering the cost of pest control for homeowners. You will have to double check with your home warranty company.

Does a home warranty cover septic?

Yes. Most home warranty policies will cover the septic as part of its protection because it falls under the category of home system. A home warranty policy may also include covering repair and replacement costs for a sewage ejector pump, septic tank and septic line.

Do home warranties cover an old HVAC?

Typical home warranty service contracts with include cost repair and replacement costs for a HVAC system. However, most home warranty contracts will include this coverage as part of their basic or upgraded service plans.

Does a home warranty cover pre-existing conditions?

This depends on the home warranty company. To see if any pre-existing conditions are cover, it will typically require a home inspection. Then the decision is completely up to the home warranty company.

Does home warranty cover roof leaks?

Yes. While most home warranty companies will not cover complete roof replacements or complete roof repairs. However, most home warranty companies will cover repairs or replacements to stop a roof from leaking.

Does a home warranty cover termites?

This is dependent on whether or not the home warranty company offers coverage on pest control as part of their home warranty policy. However, most home warranty companies will not cover termites because termites are preventable through routine home maintenance.

Do home warranties cover pools?

Due to the complexity of a pool and its system components, most home warranty companies will not offer coverage on parts or components associated with the system. However, if the pool systems are on a shared home system, a home warranty company may consider covering it.

Does a home warranty cover appliances?

Yes. As part of their normal policy coverages, a home warranty company may cover appliances within a home. Most home warranty policies will cover kitchen appliances such as a built-in microwave, refrigerator or oven.

Does a home warranty cover chimney?

Most chimney work such as chimney masonry repair or replacements for a chimney cover may not be covered under most home warranty policies. However, with costs associated with most wear and tear, it may be covered under your current home warranty policy.

Does a home warranty cover duct cleaning?

Yes. The only time a home warranty company will not cover a duct cleaning is if the ductwork is clogged by preventable measures such as vermin, excessive amounts of dust and debris buildup or unnatural particles.

Does a home warranty cover an electrical panel?

Most home warranty companies many not cover an electrical panel unless it is an integral part of an electrical system. This is as long as your home warranty policy covered air conditioning systems, heating systems and electrical systems.

Does a home warranty cover a gas fireplace?

No typically, unless the gas fireplace is naturally apart of your home’s working systems. If so, then a home warranty company will cover all associated costs with repair and replacement of a gas fireplace.

Does a home warranty cover new appliances?

Yes. As a general rule, most home warranty policies will cover a home’s appliance as part of the home warranty plan. This can include appliances such as built-in microwaves, washer, dryers, ovens and refrigerators, regardless of how old the appliances are.

Does a home warranty cover windows?

No. Most home warranty company’s will not cover costs associated with repairing or replacing windows. This is mostly due to the fact that windows are not covered under a home’s system components.

Home Warranty Plan

In this section, you will find commonly asked questions regarding types of home warranty plans.

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What do home warranty plans cover?

Most home warranty plans cover different things based on the type of coverage plan purchased. Most home warranty plans cover:

  • Air conditioning systems
  • Kitchen appliances
  • Washers and dryers
  • Electrical systems
  • Roof leaks
  • Plumbing systems

What does a 1-year home warranty cover?

A 1-year home warranty policy can cover a variety of systems and appliances based on where you live. Most 1-year home warranty policies cover:

  • Electrical system
  • Roof repairs
  • Plumbing system
  • Central air conditioning systems

What is a home warranty protection plan?

A home warranty protection plan is a type of protection plan contract that can help safeguard new and current homeowners against the high costs of repairs or replacements on systems that can fail due to regular wear and tear.

How to cancel a Sears home warranty plan?

The best way to cancel a Sears home warranty plan is to contact a Sears home warranty customer representative directly and go through the cancellation process. Keep in mind, cancelling a home warranty may require a cancelling fee.

Does a Choice home warranty plan cover Freon?

Yes. A Home warranty plan from Choice home warranty covers components and items associated with an air conditioning unit, which can include Freon. It is best to check the terms of your home warranty policy to be sure Freon is covered.

Does Sears home warranty cover plumbing?

Yes. As part of their home warranty policy, Sears home warranty does cover plumbing as well as central air conditioning systems, ductwork, electrical systems and components associated with plumbing systems.

Jordan Beaumont

Jordan Beaumont

Financial Guru

Jordan's work focuses on helping people reach their financial goals so they can spend more time with family and friends and less time worrying about their budget. After finishing college with a degree in Accounting and Communication, he realized that these are the most important things in life and that people shouldn’t miss out because of money.

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