Kitchen Appliances
The machines that cook, chill and wash up, each one named in your agreement.
Home Warranty Coverage
Here is what my plans can take on, where they stop and the words you will meet in your agreement.
What I can put on your plan
Pick the areas your home leans on. I build the plan around those and leave the rest off.
Water Heating
The heater that feeds your taps and showers, along with its working parts.
Electrical Systems
The panel and the wiring behind your walls that carry power to every room.
Laundry Appliances
The washer and dryer that turn over load after load through the week.
Plumbing
The pipes that bring water in and take it away, plus clogs in those lines.
Heating & Cooling
The equipment that warms and cools your air, and the parts that drive it.
Inside a plan and outside it
A home warranty answers normal wear. Knowing where it stops spares you a surprise later.
Usually inside
- Parts that give out from everyday use
- Labor for a repair that has been approved
- A replacement when a covered item cannot be fixed, up to the limit in your agreement
- Items that were in working order on the day coverage began
Usually outside
- Harm from storms, fire, flood or accidents
- Trouble that was already there before the plan started
- Cosmetic flaws that do not change how an item works
- Anything your agreement does not list by name
Your own agreement has the final word, and I go over it with you before you sign.
Agreement words in plain terms
Six words show up in nearly every home warranty contract. This is how I explain each one.
Service fee
The set amount you pay each time a contractor visits for a request.
Coverage limit
The most a plan pays toward one item or one repair during the contract term.
Waiting period
The stretch after signup before a first request can be filed.
Normal wear
Breakdown that comes from regular use over time, not from sudden damage.
Exclusion
An item, a part or a cause that the agreement says it does not pay for.
Renewal
Carrying your contract into another term once the current one ends.