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WHAT DOES A HOME WARRANTY COVER?
Home warranties help homeowners save on appliance and system breakdowns. For
mechanical issues around the house, it’s important to call on a professional to get the
job done.
But what exactly does a home warranty cover? We’ve got the answer.
First things first: What’s the difference between homeowner’s insurance and a
home warranty?
Many people get home warranties confused with home insurance. If you’re
considering a home warranty or even already have one, it’s essential to know the
difference between the two:
Home Insurance: In the case of damaged personal items, such as in a fire or flood,
homeowner’s insurance will cover the damages in accordance with your contract.
Home Warranty: In the case of wear and tear or other mechanical mishaps around the
home, a home warranty will cover repairs or replacements in accordance with your
contact.
The main difference is that home warranties focus on essential appliances and
systems that keep the home functioning (as opposed to the personal
possessions you keep in your home).
Taking a closer look, here’s how a home warranty can help protect important parts
of your home:
1. The kitchen.
Kitchen appliances will typically last for years, but when they fail, you can incur
high costs for a repair or replacement if you don’t have a home warranty.
Fortunately, refrigerators are a commonly covered asset in cases of mechanical
mishap, as well as ovens, dishwashers, and garbage disposals. Since these are
assets used every day by families, it’s important to be ready in case of a
breakdown.
2. The yard.
Certain mechanical parts of in-ground pools and spas are covered under some
home protection plans, such as the filtration and heating systems. If you take care
of your home’s lawn, the sprinkler system can also be covered with a home
warranty.
3. The laundry room.
Washers and dryers are prone to common mechanical mishaps that happen through
daily wear and tear. They’re also tough to fix and require special parts that a service
professional should be able to help with. Of course, calling upon a professional for
washer and dryer repair can be costly in the absence of a home warranty.
4. The living areas and bedrooms.
One of the most important aspects of your home is the temperature. A home
warranty can cover the heating and cooling systems that keep your living spaces
comfortable. If you were to experience a breakdown, heating and cooling is often very
expensive to repair or replace, but a home warranty can help you save.
5. The plumbing.
The last thing you want to encounter as a homeowner is a plumbing issue. Home
warranties can cover septic systems, plumbing stoppage, sump pumps, and even well
pumps. Don’t get your hands dirty trying to solve these mechanical issues when Select
Home Warranty can send over a service professional to get the job done.
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