Plumbing
Water lines, drain clogs and leaks in the pipes behind your walls.
Home Warranty Coverage
The systems and appliances a plan can protect, the words in the contract, and what usually stays outside the plan.
Plan basics
What a Plan Can Hold Under One Yearly Contract
A home warranty is a service contract, not insurance on the house itself. It pays toward repairs or replacements when a covered item fails from everyday use, and you pay a set fee for each service visit.
I build plans in three shapes. Pick the one that matches what you worry about most.
- Systems plan for heating, cooling, plumbing, electrical and water heating
- Appliances plan for the kitchen and the laundry room
- Combined plan that joins both lists under one contract
Six groups
What I Can Put on Your Plan
Each group below lists the items a plan usually includes. Your contract names the exact parts and limits.
Kitchen Appliances
The refrigerator, range, oven, dishwasher and a built in microwave.
Electrical
The breaker panel, wiring inside the house, outlets and light switches.
Laundry Appliances
Washer and dryer parts like the motor, belt, pump and heating element.
Heating & Cooling
Furnace, central air unit, heat pump and the ducts that connect them.
Water Heating
Tank or tankless water heaters with their valves, burners and thermostat.
Four steps to coverage
From Picking Coverage to a Covered Repair
Step 1
Select Coverage
Pick a plan for home systems, for appliances, or for both at once.
Step 2
Start Your Contract
Sign up online and I email your home warranty contract to go over.
Step 3
Request Service
When any covered item breaks down, file a service request with me.
Step 4
Covered Repair
A technician repairs or replaces the item, up to your plan limits.
Read this part twice
Usually Inside the Plan and Usually Outside It
Usually inside
- Breakdowns from normal daily use
- Parts and labor for a covered repair
- A replacement when a covered item cannot be fixed
- Items listed by name in your contract
- Service by a licensed technician the plan assigns
Usually outside
- Faults that existed before the start date
- Damage from misuse, neglect or storms
- Cosmetic issues that do not stop the item working
- Items that were never installed correctly
- Costs above the limit stated for that item
Contract words
Terms You Will Meet in the Contract
Service fee
The set amount you pay for each technician visit, no matter the size of the repair.
Coverage limit
The most the plan pays toward one item during the contract term.
Waiting period
The stretch between buying the plan and the date you may file a request.
Covered item
A system or appliance named in your contract as part of the plan.
Existing fault
A problem present before the start date, which most plans leave out.
Renewal
The point where the yearly contract ends and you choose whether to continue.
Pick the Plan That Fits Your House
Sign up online and I will send the full contract with every covered item and limit laid out for you.