January 2026
Best Home Protection Plans

A home protection warranty is a service agreement that helps cover the cost of repairing or replacing major systems and appliances in your home when they break down due to normal wear and tear. It provides peace of mind and shields you from unexpected repair expenses.

A home protection warranty covers repairs and replacements for home systems and appliances when they fail from everyday use, such as HVAC, plumbing, and kitchen appliances. Homeowners insurance protects against damage from events like fire, storms, or theft, but does not cover normal mechanical breakdowns.

Most plans cover essential systems like heating, cooling, plumbing, and electrical, as well as appliances such as refrigerators, ovens, dishwashers, and washers/dryers. Some plans also offer optional coverage for items like pools, spas, or roof leaks.

Most home protection warranties exclude pre-existing problems—issues that existed or should have been known before your coverage began. Some providers may cover undetectable issues that could not have been found during an inspection.

Yes, many providers offer coverage for homes of any age. However, older systems and appliances may be subject to certain limitations or higher service fees.

The cost typically ranges from $300 to $700 per year, depending on the level of coverage and the provider. Service fees usually range from $75 to $125 per claim.

You can file a claim online or by phone with your warranty provider. They will arrange for a licensed technician to diagnose and repair the issue. If covered, you’ll only pay the service fee.

Most plans allow unlimited service requests, but each covered item usually has an annual payout limit. Check your plan details for coverage caps and exclusions.

Most providers require you to use their approved network of service technicians. Some plans allow you to use your own licensed contractor, subject to approval and reimbursement rules.

Coverage usually starts 30 days after purchase. Some providers may offer immediate coverage if you are renewing or transferring from another plan.

Yes, many providers offer optional coverage for additional items like pools, spas, septic systems, well pumps, and even standalone appliances.

A home protection warranty is ideal for homeowners who want predictable repair costs, coverage for aging systems and appliances, and the convenience of having repair professionals arranged on their behalf.