Friday, July 12, 2024

What Home Warranties Cover (and What They Don’t)

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Home warranty plans are a great way for property owners to protect themselves from the high cost of repairs. For those without savings, the cost of a home warranty plan is likely justified. Here, we’ll discuss the benefits, limitations, exclusions, and cost of home warranty plans

What are Home Warranties For?

A home warranty, which is sometimes known as a service plan or service contract, protects homeowners from sudden, high repair and replacement costs. In exchange for a monthly or yearly fee, we will cover the cost of home repairs when claims are filed. Home warranty plans make it easier for homeowners to budget for repairs, but it’s important to consider what’s covered and what isn’t.

Coverage for Crucial Systems

2-10 offers plans that include system coverage. A system is defined as a functional part of a home that contributes to a family’s safety and comfort. Our plans cover systems such as:

  • HVAC and ductwork
  • Electrical wiring
  • Doorbells
  • Fans
  • Central vacuums
  • Garage door openers
  • Smoke and carbon monoxide alarms

Call today to learn how we can help you protect your home’s most important parts from unexpected repair and replacement costs.

Plumbing Protection

Some warranties list plumbing as a home system, while others consider it a separate category. Commonly covered components include:

  • Toilet bowls and tanks
  • Pipes and junctions
  • Water heaters
  • Pipe clogs
  • Pressure regulators
  • Sump pumps

Generally, any plumbing component in or under the home is covered. Accessing certain areas, however, may require additional work at an extra cost.


This option is one of the best parts of a home warranty for many homeowners, especially those with older appliances. While all plans are different, the most common inclusions are:

  • Ranges
  • Dishwashers
  • Garbage disposals
  • Refrigerators
  • Hot water dispensers
  • Washers and dryers
  • Trash compactors

With appliance coverage, we’ll either repair or replace items. When the service technician arrives, they will assess the issue and let us know what needs to be done.


Most warranty plans offer optional coverage upgrades. For an additional fee, you can cover items like:

  • Garage refrigerators
  • Well pumps
  • Pools and spas
  • Guest unit appliances

In most cases, we’ll respond within 24-48 hours, although that timeframe may be significantly shorter if the property is deemed uninhabitable. Call or click for more details.

What’s Not Covered

Although home warranties cover a lot of potential issues, they’re not all-inclusive. Buyers should read the fine print before signing up for a warranty, and they should learn how exclusions may affect the cost of repairs or replacement. The most common warranty exclusions are:

  • Window ACs and wood stoves
  • Overloaded electrical circuits
  • Telephone wiring
  • Alarm systems
  • Outside plumbing
  • Corrosion-related water heater damage
  • Door hardware
  • Pool or spa liners

When something is excluded, it means the company may not cover the damage. Again, it’s best for potential plan buyers to read the paperwork carefully before signing.

Learn More About Home Warranties

Although they do come with certain limitations and exclusions, home warranty plans offer peace of mind. Call, click, or email us to learn more about our home warranty offerings.

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