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Home Warranties - Things You Should Know?

If you own a home, you may have heard of home warranties. These service contracts offer coverage for the repair or replacement of major appliances and systems in your home. While home warranties can provide peace of mind and protect you from unexpected repair costs, there are a few things you should know before purchasing one. In this article, we will explore the key things you should know about home warranties.

Home Warranties - Things You Should Know? - Home Reviews Club

1. Coverage Limits and Exclusions

Home warranties typically have coverage limits and exclusions. This means that certain items may not be covered or may have limits on the amount of coverage. For example, some home warranties may limit coverage for older appliances or may exclude coverage for certain types of damage. It is important to read the terms and conditions of a home warranty carefully to understand what is covered and what is not.

2. Service Fees and Deductibles

Home warranties usually require a service fee or deductible for each service call. This fee can vary depending on the provider and the type of repair or replacement needed. Additionally, some home warranties may have different deductibles for different types of repairs or replacements.

3. Pre-Existing Conditions

Most home warranties do not cover pre-existing conditions. This means that if an appliance or system was already broken or malfunctioning before you purchased the warranty, it may not be covered. Some home warranty companies may require a home inspection before providing coverage to ensure there are no pre-existing conditions.

4. Service Providers

Home warranty companies typically have a network of service providers that they work with. When you file a claim, the warranty company will send a service provider to your home to diagnose and repair the issue. It is important to research the service providers that a warranty company works with to ensure they are reputable and reliable.

5. Renewal Policies

Most home warranties require annual renewal to continue coverage. The renewal process may include an inspection of your home to ensure that the covered items are in good condition. Additionally, the cost of renewal may increase each year, so it is important to factor this into your decision when purchasing a home warranty.

6. Customer Service

When purchasing a home warranty, it is important to research the company's customer service policies. This includes reading reviews from other customers to determine if the company is responsive and helpful when filing claims. Additionally, you should make sure that the company has a clear and easy-to-understand process for filing claims and contacting customer service.


Home warranties can provide valuable protection for your home and appliances, but there are several things you should be aware of before purchasing one. It is important to carefully review the terms and conditions of any home warranty, including coverage limits and exclusions, service fees and deductibles, pre-existing conditions, service providers, renewal policies, and customer service. By doing your research and understanding your options, you can make an informed decision about whether a home warranty is right for you.

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