Home warranties include the following coverage

Home warranties cover major appliances and systems such as heating, cooling, and plumbing. They can be very helpful, especially if the items covered are older and no longer covered by the manufacturer’s warranty. In contrast to homeowners insurance, see about Complete Care Home Warranty are considered consumer products. A home warranty covers specific appliances and systems listed in the contract rather than covering perils like fire, wind, hail, vandalism, or theft, for example.

You may not have saved up for or factored into your budget big-ticket items that you might need to repair or replace. A home warranty can help minimize that expense. A warranty program such as this can be beneficial if you only wish to cover certain items that aren’t covered by manufacturer’s warranties about Complete Care Home Warranty. You may also need coverage for sump pumps, well pumps, and septic tanks, depending on where you live.

There are some appliances, such as a refrigerator and a built-in microwave that might seem to be covered under a standard warranty, but are optional. As well, if you have more than one refrigerator in your home, you might need more coverage since most home warranties cover the primary kitchen refrigerator only, although some of our recommended companies cover multiple appliances.

Comprehensive home warranty plans typically cover appliances such as freestanding ice machines, trash compactors, ceiling fans, and pump motors in jetted bathtubs. A re-keying service is another option available, which is especially useful if you just bought a house and are changing the locks. Others may include limited coverage for roofs or pest control.

Almost no home warranty companies provide roof coverage and the ones that do usually do not pay for roof replacement. Roof warranties generally cover leaks, but they do not tend to cover the entire roof. Some companies offer additional coverage for septic, well, and sump pump systems in addition to plumbing issues like clogs and leaks. A house warranty does not cover damage caused to drywall, flooring or other structural components of the house.

The best way to cover water damage caused by backed-up septic tanks or broken sump pumps would be to add an endorsement to your homeowner’s insurance policy. These riders will cover the damage caused by the water, but will not cover the cost of the equipment to be repaired. Plans that cover interior electrical components vary from company to company. Most house warranty companies cover major electrical components such as direct current wiring, light fixtures, exhaust fans, and attic vents.

Home warranties don’t cover structural elements such as windows, which are intended to cover appliances and systems. Homeowner’s insurance covers structural elements. A home warranty does not cover a solar panel system or solar energy system attached to the home and is considered part of the home’s structure. Meanwhile, most solar panel companies offer extended warranties and homeowner’s insurance policies often cover solar panels as well.