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It's not your homeowner's insurance policy; a home warranty is a separate contract covering repairs and replacements on systems in your home. Home warranties cover many, but not all, of your home's appliances and systems. Contract costs and coverage can vary widely, so always compare before purchasing. Boiler Heat $26 / Month, $312 / Year Cooktop $4 / Month, $48 / Year Deep Freeze $6 / Month, $72 / Year Dishwasher $6 / Month, $72 / Year Dryer $4 / Month, $48 / Year Furnace $18 / Month, $216 / Year Furnace/AC $28 / Month, $336 / Year High End Appliance $28 / Month, $336 / Year Ice Machine $6 / Month, $72 / Year Microwave $4 / Month, $48 / Year Oven $4 / Month, $48 / Year Pool Heater $12 / Month, $144 / Year Pool Pump $12 / Month, $144 / Year Refrigerator $6 / Month, $72 / Year Septic Pump $8 / Month, $96 / Year Septic Tank/Lateral Lines $20 / Month, $240 / Year Trash Compactor $4 / Month, $48 / Year Washer $6 / Month, $72 / Year Water Heater $4 / Month, $48 / Year Well Pump and Tank $8 / Month, $96 / Year Wine Cooler $6 / Month, $72 / YearHome warranties, also known as service contracts, allow homeowners to pay an annual fee for repair and replacement service of covered appliances and systems. These contracts protect homeowners from the high cost of unexpected appliance breakdowns and system failures. With a home warranty, you’ll be covered whether your refrigerator stops running or your plumbing stops up ­­ and that can save you both money and frustration.

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Depending on which part of the contract that you are in, you will see terms that will relate to your coverage options. You will need to understand what your coverage options are. You will need to understand which contractors are covered under your warranty. There are going to be articles and subsections that may not be related to your coverage options. You need to verify, with your broker, which articles refer to your coverage options and which ones are not covered. You may want to have the contract modified to specify exactly what your coverage options are. Your home warranty is a way to take the stress and drama out of home repairs. You aren’t going to have massive amounts of money coming out for emergency repairs. You are going to be sure that your contractor is doing the best job that they can on repairs and that if it cannot be repaired, you are getting a new appliance. You will also find that any repairs that you have done, including replacements, will then affect your home warranty. You have protection in knowing that all your appliances will be properly maintained and cared for.

 

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With a home warranty, you can know that even when the unexpected happens, you’ll be taken care of by trusted home repair professionals. With a home warranty, your home’s most important appliances and systems will be covered, provided they are maintained and in good working order at the start of your contract. You’ll pay your contract fee annually and enjoy repair and replacement service for essential home systems and appliances for this low annual fee plus an affordable service call fee for each repair or replacement. Your systems and appliances may be in good working order today, but sooner or later, everything wears out. Even with perfect maintenance, nothing lasts forever. When your system or appliance breaks down, you could spend hundreds or thousands to repair or replace it, potentially causing a serious financial setback.