February 2026
TOP HOME WARRANTY INSURANCE QUOTES

A home warranty is a service agreement that helps cover the cost of repairs or replacements for major home systems and appliances due to normal wear and tear. It’s designed to provide peace of mind and protect your budget from unexpected repair bills.

A home warranty covers the repair or replacement of major systems and appliances due to normal wear and tear, such as HVAC, plumbing, and kitchen appliances. Homeowners insurance, on the other hand, covers damage to your home and belongings caused by unexpected events like fire, theft, or natural disasters.

Most standard home warranty plans cover essential systems like heating, air conditioning, plumbing, and electrical, as well as appliances like refrigerators, ovens, dishwashers, and washers/dryers. Coverage details can vary, so it's important to review the specific plan options.

Generally, home warranties do not cover pre-existing conditions—issues that were known or should have been known before the start of the contract. Some providers may offer limited coverage if the issue was undetectable and not apparent during an inspection.

Yes, home warranties are available for older homes. While older systems and appliances may be more prone to breakdowns, many providers offer coverage regardless of the home's age, though some limitations or additional fees might apply.

The cost of a home warranty typically ranges from $300 to $600 per year, depending on the level of coverage and the provider. Service call fees for each repair visit usually range from $75 to $125.

To file a claim, contact your warranty provider online or by phone and describe the issue. The provider will arrange for a licensed technician to diagnose the problem. If the repair or replacement is covered, the technician will proceed, and you’ll pay only the service fee.

Most home warranty plans allow unlimited service calls, but individual coverage caps may apply per item or per contract term. It’s important to check your plan for details on maximum payout limits and exclusions.

Typically, home warranty providers have a network of pre-approved service technicians. However, some providers allow you to choose your own contractor, subject to approval and reimbursement policies.

Coverage usually begins 30 days after you purchase the warranty plan, though some providers may offer immediate coverage if you're renewing or transitioning from another plan. Be sure to confirm the start date with your provider.

Yes, many home warranty providers offer optional add-ons for items not included in standard plans, such as swimming pools, spas, roof leaks, septic systems, and well pumps. These add-ons typically involve an additional cost.

Home warranties are ideal for homeowners with aging systems and appliances, first-time homebuyers who want peace of mind, and sellers looking to increase buyer confidence. They’re also useful for anyone who prefers predictable repair costs and hassle-free service coordination.