What Does a Home Warranty Company Cover?

A home warranty, as defined by the Cornell Legal Information Institute, is “a service contract that covers a major housing system–for example, plumbing or electrical wiring–for a set period of time”. These contracts protect home owners from high repair costs. Home warranties cover sudden appliance breakdowns and system failures. These are not covered under an insurance policy. With a home warranty, you’ll be covered if your refrigerator stops running or your plumbing backs up. That saves you money and time. Our service contracts promise fast service for covered issues. They protect for your home, budget, and time. A home warranty covers systems and appliances in the home that suffer from wear and tear. The amount of coverage is chosen by you. You can choose a custom plan that best suits your home. A typical plan covers:

  • Heating systems and ducts

  • Plumbing systems

  • Electrical systems

  • Water heaters

  • Kitchen appliances, including your oven, range, stove, cook top, dishwasher, and built-in microwave

  • Garbage disposal

  • Whirlpool bathtub

  • Plumbing stoppage

  • Garage door opener

  • Exhaust fans

  • Ceiling fans

If you would like deeper coverage, opt for a more complete plan. A Total Plan from Choice Home Warranty includes all of the above as well as your:

  • Air conditioning

  • Refrigerator

  • Clothes washer

  • Clothes dryer

You can adjust your plan to include more coverage. This lets you to build a plan that’s only what you need for your home. Some of the optional items you can cover include:

  • Pool and spa

  • Central vacuum system

  • Well pump

  • Roof leaks

  • Sump pump

  • Septic system and septic tank pumping

  • Second refrigerator or a stand-alone freezer

Tailor your warranty to cover the systems that matter most. You may be concerned about the age or safety of any parts of your home. You can build a plan that protects those things. Your system may need broad repairs or to be replaced. Your warranty offers all the coverage you need for the problem. A likely disaster becomes a minor item on your to-do list.

© 2021 St. Louis Home Guide

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