What do home warranties cover?

What do home warranties cover?

Key tips to remember

  • Breakdowns are unavoidable
  • Most major appliances are covered
  • Other important systems, like Heating and Cooling, Electrical and Plumbing are typically covered as well.

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. 

While every plan is different, these are some of the appliances and systems that are commonly covered when you purchase a home warranty.

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. Typically an appliance home warranty will cover repairs or replacements of your refrigerator, stove, oven, dishwasher and built-in microwave and trash compactor. 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 water system. On top of the inconvenience, water damage caused by leaks in your plumbing can create particularly expensive problems. When you have a home warranty, you're typically protected from issues that arise with the water system in your house. 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. 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. And with the fire risk that's created by electrical problems, it's important to make sure that your system is in excellent condition. A home warranty can help protect your wires from safety concerns caused by 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.


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. Call today or visit our website to find out how Cinch can provide a stress-free solution when breakdowns occur.



The information in this article is intended to provide guidance on the proper maintenance and care of systems and appliances in the home. Not all of the topics mentioned are covered by our home warranty or maintenance plans. Please review your home warranty contract carefully to understand your coverage.