What does a home warranty cover?

A father helping his daughter do the dishes


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. But, you may be wondering what a home warranty covers.

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.


Do home warranties cover repair or replacement of my appliances and systems?

A home warranty acts similar to an insurance policy by covering 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 coverage

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 coverage

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 home warranty coverage on your plumbing, 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.

With your home warranty service contract, your HVAC system is covered. You can make a service request online 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.


What else does a home warranty cover?

Does a home warranty cover water heaters?

If you’ve ever been forced to take a cold shower before bedtime, you know how important your water heater is. But does your home warranty cover water heaters?

Does a home warranty cover my furnance?

Your home furnace is one of the most important machines in your home. It’s what keeps you warm all winter long. But is your furnace covered by home warranties?

Do home warranties cover sprinkler systems?

You take pride in knowing that your freshly cut green grass is the envy of your neighborhood. But that will only last if your sprinkler system is working. So, it’s important to know if your sprinkler system is covered by a home warranty.

Do home warranties cover washers and dryers?

Whether you meticulously separate your darks from your whites or throw your dirty clothes all in together, a working washer and dryer is important to a happy home. But are washers and dryers covered by home warranties?

Does a home warranty cover electrical issues?

Having your power working right is important to feeling like you aren’t living in the 19th century. And to make sure the lights stay on, you need your electrical system to be working. So, you may be wondering if home warranties have electrical coverage.

Does a home warranty cover plumbing

Few things in life are more unpleasant in the home than plumbing problems. So when they arise, you want them fixed quickly. Which begs the question: does a home warranty cover plumbing problems?

Does a home warranty cover water damage?

If you’ve ever been the victim of a flood in your home, you know how damaging water can be. Not only damaging, but expensive. So, it pays to know whether a home warranty covers water damage.

Is a septic system covered under home warranties?

Septic systems are present in homes where wastewater is located beyond a city’s grid. If this applies to your home, you need to know if a septic system is covered under a home warranty.

Does a home warranty cover a refrigerator?

If you’re anything like us, you spend a lot of time around your fridge. So keeping your fridge running is crucial at all times. But when it fails, it pays to know if a home warranty covers your refrigerator.

Is my HVAC covered by my home warranty?

Your HVAC system - which is your home heating and cooling - is one of the most essential systems in your house. But is your HVAC system covered by your home warranty?


Cinch Home Services home warranties

At Cinch, we work with you to find the home warranty plan that will offer you the most appropriate home protection. Enrolling in our comprehensive home warranty plans give you the protection you need and the peace of mind you want.


See next article: When can you buy a home warranty

Previous article: What is a home warranty?


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.