What is a Home Warranty?

A home warranty is an insurance policy that covers certain parts and systems of your home, providing financial protection against unexpected repairs or replacements. It's essentially a safety net for homeowners, ensuring that you're not left with costly damages or disruptions while you're away from home.

Unlike homeowner insurance, which typically only covers damage to the structure of your home, a home warranty focuses on repairing or replacing essential systems and appliances. This can include things like HVAC units, plumbing fixtures, electrical components, and more.

Types of Home Warranties

• Audit Home Warranty: This type of warranty covers pre-existing conditions and damages to the home's systems, appliances, or fixtures before you purchased the policy.
• New Home Warranty: Designed for new homeowners, this warranty provides protection against major issues with the home's installation, materials, or workmanship.

Home Warranty Coverage Options

Here are some common coverage options you might find in a home warranty policy:

• Plumbing: Includes repairs and replacements for leaky faucets, clogged drains, and other plumbing issues.
• HVAC: Covers maintenance and replacement of heating, ventilation, and air conditioning units, as well as ductwork and refrigerant.
• Clean Water System: Protects against leaks, mold, and mildew in the home's water filtration system.