What Types Of Damages Home Warranty Cover

Posted by: KHTS FM 98.1 & AM 1220 in Home Town Station March 18, 2019 - 9:03 am 0 325 Views

Are you a homeowner or manager of any sort? Would you like some protection that would help you save money on the maintenance and even repair in that home? If the answer to these two questions is yes, then you need to consider taking a home warranty cover.

But what is a home warranty and what exactly does it cover? Okay, do not panic about anything because we are not here to ask tough questions. Before you even think to turn to Google and search what a home warranty is, dedicate the next 7 minutes of your life to read this post. We will be discussing what is covered in a home warranty policy, so you decide if it is worth taking it or not.

We won’t waste any much time, so let’s jump right in:

What is a Home Warranty all about?

By now, you should already know that a home warranty is not the same as, and it isn’t a replacement for the homeowners’ insurance. Generally, this policy covers the major unexpected events like theft, fire, hail, property crime, as well as water damage. The main aim of the home warranty is to cover for the unexpected hazards that could affect the personal possessions and the whole structure.

Specifically, you should know that a home warranty won’t exactly cover the hazards. Instead, it covers components of the home that have been damaged by the hazard. It will cover the regular wear and tear defects that may include a breakdown of an AC or if you need some replacement of specific appliances.

It would be safe to say that a home warranty policy is additional coverage for stuff in your home, which may initially be covered by the builder’s or manufacturer’s warranty. So, if you want to take one, you should have an idea of what it would cover.

I don’t want to give any spoilers, so let’s see what exactly is covered by the home warranty policy.

What is Covered?

With a home warranty cover, you can be confident of protecting your budget as the homeowner. You won’t have to worry about the costly repairs in the home either. Here is what a home warranty covers:

Systems

The first ‘thing’ that is covered by the home warranty is the common systems around the house. They include the following:

- Ductwork. Do not confuse ductwork for the regular duct tape that might be used in the house. Instead, this just involves the distribution of airflow from the heating or cooling system around the home. In other words, the policy will cover your heating and cooling systems.
- Central Air Conditioning. The home warranty policy will cover the entire air conditioning system in your house.
- Electric system. You don’t have to worry if there is a power failure in the house. In case you are in the dark in your house due to caused that comes from within, our home warranty cover will come to your rescue.
- Central vacuum system. As usual, a central vacuum system will get rid of the dirt and debris from your home. The system will send dirt particles via tubing installed inside the walls to a collection container in a remote utility space. Some units come with a power switch to control the system. If this system has broken down, you can always depend on the home warranty to save you.
- Garage door opener. By the way, did you know that when your garage door opener is jammed, you can always depend on the home warranty policy to cover you? You do not have to worry about looking for a technician to fix the unit. Instead, your home warranty policy can cover you entirely on this one.
- Attic, exhaust, and ceiling fans. These ranges of fans are mainly meant to blow away the hot air and keep the whole house cool enough. If any of the fans breaks down due to natural wear and tear or of something else damages them, your home warranty cover will step in to get it fixed.

With the home warranty policy, you can confidently know that someone will save you the cost of hiring a professional technician to fix your broken systems in the house.

Plumbing

Without any doubt, a home warranty will also cover the entire plumbing-related systems in the house. Here are some of them:

- General plumbing system
- Toilet tanks and bowls. If there is a blockage here, the home warranty will fix it
- Water heater
- Sump pump
- Circulation pump
- Plumbing stoppages
- Pressure regulators

All the systems that are linked to the plumbing or water sewage systems will be covered by the home warranty in case they break down.

Appliances

The policy will also cover the main appliances in the house. Here are the common appliances covered by a home warranty policy:

- Clothe washer and dryer
- Built-in microwave.
- Garbage disposal
- Dishwasher. If it breaks down, the policy will get you covered
- Trash Compactor
- Instant water dispenser

If any of these appliances fails in any way, you can always contact your home warranty provider for further help.

Other ‘Beneficiaries‘

Besides the common appliances and systems around the house, your home warranty policy will also cover additional stuff like the pool and spa equipment, additional refrigeration system, and the Well Pump. But the best news of all is that the policy can also cover pest infestation/damage in the home. If you’re worried about roof leaks in the future, Select Home Warranty provides free roof leak coverage, which isn’t covered by most other home warranty companies

Conclusion

So, you might be contented that your home warranty will cover almost everything around your home. However, it will not exactly cover everything. Some things are not covered by the home warranty. That is why it is important to know what is not covered before you sign the contract. Also, read through the terms and conditions of the home warranty before you agree to any terms.

Whenever you are taking a home warranty provider like HSA home warranty, ensure that you consider their reputation, reliability, and response to disaster calls. Will they come to your rescue fast enough in case of an emergency? Be sure to choose the right home warranty cover for you to enjoy good services.