What does a home warranty cover work?

A home warranty cover is a service contract designed to provide repair or replacement coverage for major home systems and appliances. It serves as an added layer of protection beyond homeowners insurance, which primarily covers damages caused by perils like fire, theft, or natural disasters.

Typical Coverage Plans

Home warranty coverage plans can vary depending on the provider and the specific plan you choose. Here are some typical components that are often included in home warranty coverage plans:

Heating, Ventilation, and Air Conditioning (HVAC) Systems: This usually covers the repair or replacement of components such as the furnace, air conditioner, heat pump, ductwork, and thermostats.

Plumbing System: This covers repairs to your plumbing system, including pipes, faucets, toilets, showers, bathtubs, and the water heater.

Electrical System: Coverage for your electrical system typically includes repairs to wiring, outlets, switches, circuit breakers, and the main electrical panel.

Kitchen Appliances: This covers the repair or replacement of kitchen appliances such as the stove/oven, refrigerator, dishwasher, garbage disposal, and built-in microwave.

Laundry Appliances: Coverage for your laundry appliances may include repairs to the washer, dryer, and their associated components.

Garage Door Opener: This typically covers the repair or replacement of the garage door opener and its components.

Roof and Ceiling Fans: Some plans may include coverage for roof leaks and repairs, as well as repairs to ceiling fans.

Ductwork: Coverage for ductwork repairs or modifications may be included in certain plans.

Built-in Systems: This covers built-in systems such as central vacuum, intercom, and security systems.

What Don't Home Warranties Cover?

While home warranties provide coverage for many components and systems in your home, there are certain items and situations that are typically not covered. The specific exclusions may vary depending on the provider and plan you choose, but here are some common examples of what home warranties generally do not cover:

Pre-Existing Conditions
Home warranties typically do not cover issues or damages that existed prior to the start of the warranty coverage. This includes problems that were known or should have been known by the homeowner or issues that were present during a home inspection.

Improper Maintenance or Misuse
If an issue arises due to lack of proper maintenance or improper use of a covered item, it may not be covered by the warranty. It's important to follow the manufacturer's recommended maintenance guidelines and use appliances and systems as intended.

Cosmetic Issues
Home warranties usually do not cover cosmetic issues, such as scratches, dents, or normal wear and tear.

Outdoor Items
Many home warranties exclude coverage for items located outside the main structure of the home, such as sprinkler systems, outdoor lighting, fences, or pools/spas.

Structural Elements
Structural issues, such as foundation problems or structural damage, are typically not covered by home warranties. These are typically covered by homeowners insurance or separate structural warranties.

Permit-Related Issues
If repairs or replacements require permits, home warranties may not cover the associated costs. It's important to consult your warranty provider regarding permit requirements and coverage.

Acts of Nature
Damage caused by natural disasters, including earthquakes, floods, hurricanes, or other similar events, are generally not covered by home warranties. Separate insurance policies are typically required to protect against these types of damages.

Non-Standard Systems
Home warranties may have limitations on coverage for non-standard systems, such as solar panels, geothermal units, or alternative energy sources.

How to get your home warranty to replace the AC unit?

To get your home warranty to replace your AC unit, follow these steps:

• Read through your home warranty contract to understand the coverage and limitations related to your AC unit. Pay attention to the specific terms and conditions for AC replacements.
• Check if your home warranty includes coverage for AC units. Some warranties may cover specific components or systems, while others may offer more comprehensive coverage. Verify that your AC unit falls within the coverage criteria.
• Identify the problem with your AC unit and determine if it requires repair or replacement. If the unit is beyond repair or the cost of repairs is substantial, replacement may be necessary.
• Reach out to your home warranty provider to file a claim. Provide detailed information about the issue with your AC unit and any relevant documentation, such as repair records or assessments from qualified technicians.
• Your home warranty provider will guide you through the claim process. This may involve providing additional information, scheduling an inspection, or assigning a service provider to assess the AC unit.
• It is essential to use authorized service providers approved by your home warranty company. They will evaluate the AC unit and determine if replacement is necessary based on the terms of your warranty.
• If the service provider deems replacement necessary and within the coverage guidelines, they will seek approval from the home warranty company. The warranty company may request documentation or estimates to support the need for replacement.
• Once approval is obtained, coordinate with the service provider and your home warranty company to schedule the replacement of your AC unit. Ensure that the replacement is performed by a qualified professional.
• Home warranties often require homeowners to pay a service call fee or deductible for each claim. Be prepared to pay any applicable fees as specified in your warranty contract.