What Does a Home Warranty Plan Usually Cover?

Though owning a home is a sense of pride and accomplishment, it makes you vulnerable to unpredictable, out-of-pocket expenses. For example, if something goes wrong with your HVAC system or your refrigerator breaks down, the cost of repairing or replacing it can add up quickly. This is where home warranty coverage can help. A home warranty can help keep your home repair costs within a reasonable range, saving a considerable amount of money.

What Is a Home Warranty?

A home warranty is a type of home appliance insurance that covers the cost of repairs and replacements of home appliances and systems that have failed due to normal wear and tear. It protects homeowners from paying out of pocket, especially items that are no longer covered by the manufacturers' warranties. It is an optional policy that can be purchased while buying a new home or at any time during ownership.

Also read: Home Warranty Inspection Checklist

What Does a Home Warranty Cover?

A home warranty gives coverage for repair and replacement services for appliances, home systems, or both, depending on the coverage plan you choose. Generally, an appliance plan might cover:

Attic fans

Wall ovens

Garage door openers

Garbage disposals

Bathroom exhaust fans


Built-in trash compactors


Built-in food centers

Instant hot water dispensers

Freestanding ice makers

Refrigerator ice makers

Built-in microwaves



Kitchen fans/exhaust hoods

A home warranty also covers systems either separately or in combination with an appliance plan, which may include:

Attic fans



Sump pumps


Plumbing (excludes fixtures)

Built-in whirlpool/jetted tubs


Central vacuums

Water heaters

Ceiling fans

Telephone lines 

Central home heating

Re-key Services

Central air conditioning

Interior electrical

Burglar and fire alarms

Smoke detectors

Structure and presence of organisms and pests which destroy wood


Plumbing and electrical systems

Roofs and attics

Basements and crawl spaces

Gutters and drainage

Walls, floors, and ceilings

Decks and porches

Overall property and site


Lights and receptacles

Windows and doors

A standard home warranty policy may not cover all the systems and appliances in your home. In such circumstances, you include add-ons to your plan to cover additional home appliances and systems at an extra cost.

Some of the add-ons you can include in your home warranty policy:

Food loss

Well pumps

Extra air conditioners

Pools/saltwater pools

Lawn sprinkler systems

Wine refrigerators


Septic systems


Whole-house humidifiers

Extra water heaters


Faucets and fixtures

Sump pumps

Extra refrigerators and freezers

Tankless water heaters

External water or sewer lines

Stand-alone freezers

Extra ranges/ovens/cooktops

Water softeners

How Long Does Home Warranty Coverage Last?

Generally, a home warranty is an annual service contract, meaning it lasts for 12 months and can be renewed once it expires. However, instead of purchasing a one-year home warranty, you can get some discounts by purchasing a home warranty policy for 3 - 5 years.

What Do Worthy Inspections Offer?

If your home warranty is coming to an end, contact Worthy Inspection Services to schedule a professional home warranty inspection. We will thoroughly inspect all your home appliances and systems and provide a fair and unbiased report. It’s essential to understand the condition of your home before your warranty expires so that you have the time to address any issues before it is too late.


Worthy Inspection Services, LLC

Worthy Inspection Services provides complete and affordable home inspection services in Central Washington. Our goal is to provide exceptional home maintenance and inspection services while maintaining quality, integrity and convenience. We are committed to providing honest, unbiased information to help our clients make an informed decision about their property.

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