What does a home warranty cover?

A home warranty covers appliances and home systems that have failed due to daily usage. They haven’t been built to last till the end of time. Having a home warranty helps to lower the costs incurred for purchasing a new appliance or system. A typical home warranty plan covers these systems: electrical systems, heating systems, plumbing systems, ductwork, circuit boards. Usual appliances covered are oven, dishwashers, inbuilt microwave, refrigerators, water softeners, washing machines, cooktops, ice makers.

Home Warranty Overview: What You Need to Know

The majority of home warranty plans function in the same manner and use the same terminology. For example, a home warranty plan works like this:

  • Should a home component or an appliance develop a fault, the homeowner then informs the home warranty plan provider.
  • The home warranty company then advises its technical/repair partner, which then calls to make an appointment with the homeowner.
  • The professional partner then fixed the issue, however, if it cannot be repaired, the home warranty provider is then obligated to pay for the replacement and installation of that replacement.
  • However, this depends on the coverage the plan gives. Usually the homeowner has to pay a small charge called a trade service fee for the service rendered by the technical partner.

The Benefits of a Home Warranty

A home warranty is a service agreement, covering the replacement or fixing of numerous essential home components and electrical appliances.

  • A binding home warranty contract ensures your peace of mind.
  • A home warranty covers replacement or repair costs of major appliances and home systems like cooling and heating systems, electrical systems, stovetop, refrigerators, dishwashers.
  • A home warranty makes sure homeowners never have to cough up budgeted money to unexpected breakdowns.
  • A home warranty exculpates homeowners from being responsible for any breakdowns and puts the responsibility on the home warranty coverage provider.
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What Can Be Covered

Home Systems

Air Conditioner/Ductwork




Smoke Detectors

Ceiling Fans


Water Heaters

Garbage Disposal

Hot/Cold Water Dispensers

Central Vacuums





Clothes Washer

Clothes Dryer


Built-In Microwave

Trash Compactor

Freestanding Ice Maker

Garage Door Opener

Built-In Food Center

Additional Items


Well Pump

Septic Pump

Guest Unit

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USAHomeWarranty.com is a platform that has been designed to bring together prospective homeowners and even current owners to home warranty providers. The site helps protect and manage home expenses, particularly those beyond the purview of a regular homeowner’s insurance policy.

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