From TIME:

A home warranty covers a variety of systems and appliances, including plumbing, electrical, heating, cooling, and major appliances like refrigerators and washing machines. However, there are often limitations, exclusions, and service call fees, so it’s important to read the service contract carefully to understand what is covered and what’s not.

Home warranty coverage is specific to each policy and is not the same as homeowners insurance. It covers systems and appliances that break down, offering repair or replacement costs. Optional add-on coverage is available for items like swimming pools and septic systems, with many policies providing protection for appliances no longer covered by a manufacturer’s warranty.

However, there are limitations to home warranty coverage. Policies may exclude pre-existing damage, normal wear and tear, specific appliances like window air conditioners, and certain types of repairs. They also have coverage caps, deductibles, and exclusions for certain types of malfunctions and repairs.

The duration of home warranty coverage typically lasts between one and three years, with the contract beginning after a waiting period, usually around 30 days. This coverage can provide peace of mind and added protection for homeowners, but it’s essential to understand the terms and limitations of the service contract before purchasing a home warranty.



Read more: What Does a Home Warranty Cover?