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January 2026
Home Warranty Companies

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What Does Home Warranty Offer to a Homeowner?

You just purchased your dream house along with the all the perfect décor that turns your dream house into your dream home. It's been a few months and everything is unpacked and placed in its designated spot within your new home. So you turn your attention to rebuilding your savings account since it was depleted from the biggest and most important purchase of your life. However, within a few months of living in your dream home, you experience a costly unexpected expense when your heater blows out during the winter. With a new mortgage payment and a limited amount in savings, you're looking at numerous financial options on how to pay for this unexpected expense. Fortunately, you purchased a home protection plan that will cover this expense as well as any major systems and appliances that may need repair or replacement in your home.

What Does a Home Warranty Include?

Home warranties typically include coverage for the following major appliances and systems:

  • Central air conditioning systems
  • Central heating systems
  • Humidifiers
  • Interior electrical systems
  • Refrigerators

The Cost Involved With a Warranty for Your Home

Typically, a home warranty costs a couple hundred dollars, which can be paid in a lump sum amount during the purchase of a new home. This lump sum payment would be collected at the time closing costs are due for the newly purchased home. However, the seller, real estate agent or a family member or friend can purchase home warranties on behalf of a home-buyer. If a home appliance insurance claim is filed then the homeowner may be responsible for paying a service fee or deductible that typically ranges from $50 to $100. Please note, home warranty companies have different contract agreements therefore, fee amounts may vary.

Conclusion

As there are many providers to choose from that have a variety of plan options; the best home warranty companies depend on how they can meet the needs of your home. The best way to select the right home protection plan for you is by doing your research on what each company has to offer with their plans. For instance, if you have a home with older appliances then you may be interested in locating a plan that has home appliance insurance. Want to learn more before choosing? Here are some tips and tricks to get you up-to-date. Convinced? Check out our expert written reviews for information on the top providers for home warranty. Once you've selected the plan that best fits your needs, you'll join the many homeowners that have peace of mind because they are protected by one of the top home warranty companies. 

Frequently Asked Questions

What is a home warranty?

A home warranty is a service agreement that helps cover the cost of repairs or replacements for major home systems and appliances due to normal wear and tear. It’s designed to provide peace of mind and protect your budget from unexpected repair bills.

How is a home warranty different from homeowners insurance?

A home warranty covers the repair or replacement of major systems and appliances due to normal wear and tear, such as HVAC, plumbing, and kitchen appliances. Homeowners insurance, on the other hand, covers damage to your home and belongings caused by unexpected events like fire, theft, or natural disasters.

What does a typical home warranty plan cover?

Most standard home warranty plans cover essential systems like heating, air conditioning, plumbing, and electrical, as well as appliances like refrigerators, ovens, dishwashers, and washers/dryers. Coverage details can vary, so it's important to review the specific plan options.

Are pre-existing conditions covered under a home warranty?

Generally, home warranties do not cover pre-existing conditions—issues that were known or should have been known before the start of the contract. Some providers may offer limited coverage if the issue was undetectable and not apparent during an inspection.

Can I get a home warranty for an older home?

Yes, home warranties are available for older homes. While older systems and appliances may be more prone to breakdowns, many providers offer coverage regardless of the home's age, though some limitations or additional fees might apply.

How much does a home warranty cost?

The cost of a home warranty typically ranges from $300 to $600 per year, depending on the level of coverage and the provider. Service call fees for each repair visit usually range from $75 to $125.

How do I file a claim if something breaks down?

To file a claim, contact your warranty provider online or by phone and describe the issue. The provider will arrange for a licensed technician to diagnose the problem. If the repair or replacement is covered, the technician will proceed, and you’ll pay only the service fee.

Is there a limit to the number of service calls I can make?

Most home warranty plans allow unlimited service calls, but individual coverage caps may apply per item or per contract term. It’s important to check your plan for details on maximum payout limits and exclusions.

Can I choose my own contractor?

Typically, home warranty providers have a network of pre-approved service technicians. However, some providers allow you to choose your own contractor, subject to approval and reimbursement policies.

When does home warranty coverage begin?

Coverage usually begins 30 days after you purchase the warranty plan, though some providers may offer immediate coverage if you're renewing or transitioning from another plan. Be sure to confirm the start date with your provider.

Are there plans that include optional add-ons like pool or roof coverage?

Yes, many home warranty providers offer optional add-ons for items not included in standard plans, such as swimming pools, spas, roof leaks, septic systems, and well pumps. These add-ons typically involve an additional cost.

Who should consider buying a home warranty?

Home warranties are ideal for homeowners with aging systems and appliances, first-time homebuyers who want peace of mind, and sellers looking to increase buyer confidence. They’re also useful for anyone who prefers predictable repair costs and hassle-free service coordination.