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A home warranty is a service contract that covers the repair or replacement of major systems and appliances due to normal wear and tear. Coverage typically includes HVAC, plumbing, electrical systems, kitchen appliances, and sometimes optional add-ons like pools or septic systems. Before comparing plans, assess your home’s needs—older systems or appliances may justify more comprehensive coverage.
When evaluating home warranty companies, look beyond monthly premiums. Focus on:
Coverage limits:
How much will the provider pay per repair or per year?
Service fees:
What is the cost per claim or technician visit?
Inclusions/Exclusions:
Are pre-existing conditions, improper installations, or certain brands excluded?
Claim process:
Is it easy to file claims online or by phone, and how quickly are repairs handled?
Reading sample contracts can help you understand the fine print.
Customer service can make or break your experience. Research online reviews, BBB ratings, and customer testimonials. Check for complaints about delays, denied claims, or poor repair quality. Reliable companies are transparent about their policies and offer clear, responsive communication.
Advertiser Disclosure: This site is made possible through advertising partnerships. Some of the offers and links featured may result in compensation to us. This compensation can influence the placement and order of products on the site. That said, all opinions are our own, and we do not accept payment for favorable reviews. We aim to provide accurate, up-to-date content, but details may change without notice. Please review the provider’s terms and conditions before making any decisions.
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