A home warranty is a contract between you and your home's manufacturer, providing financial protection against certain issues that may arise with the structure and systems of your home.
- Appliances: You are typically covered for major appliance breakdowns, such as the oven or dishwasher, which can be expensive to repair.
- Cabinets and Countertops: If your cabinets or countertops become damaged due to normal wear and tear, you may be able to get them replaced under warranty.
- Plumbing and HVAC Systems: This includes issues such as leaks in pipes, faulty water heaters, and problems with the furnace, air conditioner, or water heater.
You may not be covered for repairs that are caused by normal wear and tear, neglect, or misuse of your home's systems.
- Normal wear and tear: This includes issues such as a roof leak after many years of service, or cracks in walls due to settling.
- Neglect: If you fail to maintain your home's systems and appliances regularly, you may not be covered for repairs.
- Misuse: Using your home's systems in an unreasonably way can void your warranty. This includes using a furnace as a generator or running hot water through the pipes.