What does a home warranty cover?

What does a home warranty cover?

With proper care and regular maintenance, it's possible to extend the lifespan of your home appliances and systems, but there's no way to avoid breakdowns forever. That's why it's important to have the protection of a home warranty: to avoid the stress of expensive repairs when the unexpected happens.

Warranty coverage from a great home warranty company will repair or replace your home’s covered major appliances and built-in systems for a small service fee. Your service contractor will determine if you need a repair or replacement for your kitchen appliances, air conditioning, furnace, built-in microwave, dishwasher, garbage disposal, garage door opener, water heater, sump pump, plumbing fixtures, washing machine, electrical panel, dryer, ice maker and more.

You can choose from a variety of options when choosing a home warranty plan, but plans that cover more will cost more. Choose a basic plan if you are looking to spend less money, or if you want more coverage, your monthly cost will be a bit higher.

A home warranty is an annual service contract that covers the replacement of a system or appliance. The warranty length is outlined in the contract.

Repair or replace?

A home warranty acts similar to an insurance policy for the major appliances and built-in systems of your home. Homeowners are given peace of mind in knowing that repair or, in some cases, replacement, is a service call away. 

For a small fee, the home warranty company will send a technician to determine the state of the appliance, and if it is deemed repairable, the appliance will be fixed.

Your appliances will not last forever, but with regular maintenance, you will keep them in working order longer. With a home warranty, your major appliances and built-in systems, like your air conditioner, hot water heater, refrigerator or stove, can be repaired without having to pay costly repair fees. If a service technician has deemed your appliance irreparable or it will cost more than a new appliance to repair, your home warranty company will replace it with an appliance of similar value. 

Kitchen and laundry appliances

If you’re like most homeowners, you use your kitchen every day. Because of such regular use, your appliances undergo a lot of wear and tear. Even with a home warranty, you are expected to maintain the appliances in your home. 

While every plan is different, an appliance home warranty will cover repairs or replacements of your refrigerator, stove, oven, dishwasher, built-in microwave and garbage disposal. Clothes washers and dryers are also often covered.

Plumbing system

It should come as no surprise to hear that keeping your home in working order can become quite difficult if a problem comes up with your plumbing fixtures or water system. On top of the inconvenience, water damage caused by leaks in your plumbing can create particularly expensive problems.

When you have warranty coverage, you're typically protected from issues that arise with the water system in your house. Cinch Home Services offers plumbing services as part of your home warranty. Review your coverage or a sample warranty plan for specific coverage details. 

You will need to check what type of plumbing system you have in your home, and if you have older plumbing, you may need pipe repair, or the system may need to be replaced.

While the water heater and plumbing are big-ticket items that you'll definitely want covered, most plans will also protect your garbage disposal, shower and tub valves, toilets and faucets. You'll also want to check for coverage of stoppages.

Heating and cooling systems

There are few things that will make your home more uncomfortable than a broken air conditioner in the summer or a malfunctioning heating system in the winter.

With your home warranty service contract, your HVAC system is covered. You can make a service request online, through Alexa on Amazon Home or on the phone, and an HVAC technician will be at your door in no time. This provides reassurance that you will be warm in the winter months and that you will keep cool in the summer months. 

In general, you can protect your heating, air conditioning and even ceiling fans with a home warranty. Without one, you may be stuck sweating in the heat or shivering in the cold until you can save up to make the repairs on your own.

Electrical system

There's a lot that can go wrong with the electricity in your home. You may be experiencing trouble with your circuit breaker, electrical panels, switches, wiring, ceiling fans or exhaust systems. 

Electrical system repairs can be expensive, but with your warranty, the repairs are taken care of for you for the cost of a minimal service fee.

And with the fire risk that's created by electrical problems, it's important to make sure that your electrical system is in excellent condition.

A home warranty can help protect your wires from safety concerns caused by the inevitable wear and tear from daily use. And most plans will also cover your wall switches and outlets, main circuit breaker and even your garage door opener.

Cinch Home Services home warranty

At Cinch Home Services, we work with you to find the home warranty plan that will offer you the most appropriate home protection. Whether it’s an appliance plan, systems plan, or combination of the two, our comprehensive coverage gives you the protection you need and the peace of mind you want.

Interested in learning more about home warranties and what they cover? Visit the Cinch site to learn why you should invest in protecting your home.