What is a home warranty and what does it cover – Guide 2021

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As the owner and person responsible for the well-being and safety of your family, you need to make sure that everything is up to date when it comes to their comfort and happiness when it comes to your home. Owning a property is something everyone strives to do, but it is definitely not something everyone can do. However, buying it is not the end. It’s the years of care and protection that allow you to really take care of a home and allow it to age as gracefully as you do. Along the way, nothing can help you as much as the home warranty, which is why you must have it.

Before doing so, you need to know a thing or two about home warranties. What are they, what do they do and what exactly do they cover? Do you really need it? Well, you absolutely know it, but you already knew it. Regarding the rest of the question, we answer it in the following sections. Read on to learn more about how warranties help your home, and the types of damage and issues they can help you with. If you’re more interested in this and want some additional information on the topic, be sure to check out completecarehomewarranty.com.

What is that?

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Do not confuse your home warranty with the insurance policy you have, because they are two different things. The warranty is there to give you discounts on repairs as well as replacement services for various different systems and devices in your home. Most providers offer plans that cover one or both of these, or both. There are usually monthly or yearly fees and subscriptions for these guarantees and anytime something that is covered breaks you will have taken care of it.

Again, this is very different from home insurance which protects the home and everything in it against theft, damage, weather, and liability claims. They are two inherently different things, so you need both. Insurance is what most people have, but guarantees not. Here’s a quick example. Your washing machine breaks down and your home is damaged by water. The insurance covers water damage but not the washing machine. The warranty however covers repairs to the washing machine, but not water damage to floors / walls.

As you can see, you really need both because they help with different aspects of a bigger problem. Think of the home warranty as a framework service contract that will help cover the costs of repairing and / or replacing household appliances that you can’t live without. Having such peace of mind is not possible with your insurance policy alone. In addition, manufacturers’ warranties expire after a few years, and regular service and replacements are expensive. Therefore, having a unique solution like this surely helps you in the long run.

What does it cover?

Now is the time to talk about the most important aspect of home warranties, which of course is what they cover. What kinds of devices are protected when you get it and for how long? In general, most warranties offer plans that cover either separate devices or entire systems. They are individual. However, there are also hybrid plans that cover both. On new homes, plans are generally time-limited and last about 10 years for structural faults, 2 years for HVAC, electrical and plumbing, and 1 year for paint and walls. As for household appliances, large and small, they are protected for six months.


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When it comes to devices and devices, everything you can think of is covered by warranties. Attic fans and garbage disposals are things people forget about most of the time, but warranty plans aren’t. Built-in appliances are quite difficult to manage if they break, but an in-home warranty helps with food centers, microwaves, and trash compactors that are built-in. Bathroom exhaust fans and freestanding ice makers are all covered by warranties.

Everything you can’t do without in the kitchen is taken care of, including refrigerators, hot water dispensers, kitchen fans and extractor hoods, ovens, hobs and wall ovens. Dishwashers and other types of washers and dryers are also covered. All of these are very expensive to repair and replace individually without any warranty, but with a proper plan they will be much easier to manage and cover.


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These are the devices that you will have covered once you choose a warranty for your home. Now let’s talk about the systems that make your home what it is. Luxuries like humidifiers, jetted tubs and built-in showers / baths are covered. Fire alarms, ceiling fans, central air conditioning and central heating are essential and therefore taken care of. Doorbells, conduits and the entire interior electrical system are covered by each warranty system plan.

Plumbing (appliances excluded) is a given, as are smoke detectors, fire alarms and burglar alarms. You don’t have to worry about toilets and phone lines. Key renewal services aren’t really something you think of except when you really need a new key, but the warranty covers you here as well. Sump pumps and water heaters complete the systems that almost all residential warranties come with.

Complementary modules offered

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In addition to the basic devices and systems to be supported, you can also choose additional perks, perks, and add-ons for an additional cost. The common additions that most homeowners decide to buy can be considered a luxury because they imply that the house has more things that need to be covered. Still, if you have them, it makes sense to do a little bit of trouble and get them a guarantee as well.

Some of the best additional warranties you can have to cover hot tubs, septic systems, swimming pools, wells, wine refrigerators, food waste, guesthouses and houses, lawn sprinklers, external water and sewer lines, additional air conditioners, heaters, ovens, refrigerators or freezers and faucets / appliances . Having either of these requires collateral and it would be a good idea to get them if you cover everything else.

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