A home warranty covers major appliance or system failures in a home. This type of warranty covers homeowners against damage caused normal by wear and tear.
A home warranty covers a variety of things. Coverage depends on the items selected as a part of the policy. The items covered in a policy can include some or all of the following: central air conditioning and heat, ductwork, washers, dryers, microwaves, refrigerators, ice makers, ovens, cook tops, exhaust fan, microwave, ceiling fans, garbage disposal, garage door openers, plumbing and electrical systems and various other items.
The typical plan can add several things to the policy. Additional refrigerators or icemakers, washers, dryers, pool, spa equipment, well pumps, additional heat/air conditioning units can all be added.
While the home warranty provides substantial protections for many appliances and systems within the home a home warranty will not cover any items covered in your home owners policy. Review your terms and conditions for exclusions and full coverage details.
When a person invests in a home warranty policy, they are entitled to certain protections as a part of the policy. If a covered system or appliance fails, the repairs are covered as a part of the home warranty plan. When a covered household appliance or system fails, the service call is handled by the warranty provider. The homeowner benefits by utilizing the fully licensed and insured service provider network. Service will be dispatched and the repair authorized by the provider in accordance with the terms of your policy. In cases where the unit cannot be repaired, the unit is replaced and the cost of the appliance, within the limits of the terms, is covered by the home warranty.
Home warranty plans offer coverage for the home regardless of the age of the structure. There are no restrictions for the brands of appliances covered as a part of the warranty. This type of protection makes it easier for homeowners to keep their systems and appliances operating in good condition while minimizing out-of-pocket costs for repairs and replacement services when failures occur. The caveat to this coverage is that the appliances must be in good condition before they are covered as a part of the warranty or plan.
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Home Warranty coverage, in all states EXCEPT CA, VA, IA, WA, TX and FL, is provided and administered by AIG WarrantyGuard, Inc., 500 West Madison, Suite 3000, Chicago, IL 60606-6613. Exclusions and limitations apply. See Terms and Conditions for details on coverage and exclusions. OR License #208059. For water line, sewer line or well pump coverage please see these Terms & Conditions.
For CA Residents: coverage is provided and administered by AMT Home Protection Company, 2200 Highway 121, Suite 100, Bedford, TX 76021 (CA Company ID No. 5875-0). For FL, IA, TX, VA, and WA Residents: coverage is provided and administered by TMI Solutions, LLC, 360 Market Place, Roswell, GA 30075 (FL Company ID No. 07807, Lic. No. 16-270501457; IA Company ID No. 130327; TX Lic. No. 171; VA Company ID No. SC018; WA Cert. of Reg. No. 500670). See the TMI/AMT Program Terms & Conditions for additional information.
Ultimate Electronics Protection Plan is provided and administered by Asurion Service Plans, Inc., whose address is P.O. Box 061078, Chicago, IL 60606-1078, telephone 1-866-856-3882, in all states and the District of Columbia except Florida. In Florida, the company obligated under this Plan is Asurion Service Plans of Florida, Inc., P.O. Box 061078, Chicago, IL 60606-1078, telephone 1-866-856-3882. Exclusions and limitations apply. See Ultimate Electronics Protection Plan Terms and Conditions for details on coverage and exclusions.