General FAQ

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A home warranty is a service contract that covers the repairs and replacements necessary to restore the appliances and mechanical systems in your home to normal operating condition. When you call our toll-free number, we will send a service technician out to take care of the problem.

Our standard Home Protection Plan covers the heating system, central air conditioner, air exchanger, ductwork, interior plumbing, interior electrical wiring, water heater, sump pump, garage door openers, garbage disposal, trash compactor, built-in microwave oven, range/oven/cook top, dishwasher, refrigerator, washer, and dryer.

You can also purchase optional coverage on pool and spa equipment, well pump, water softener, plumbing stoppages, stand-alone freezer, or more than one of the appliances listed in the standard coverage (e.g. if you have two washers or two furnaces). Click here for a complete copy of our brochure. Refer to the contract for specific coverages, terms, conditions, limitations, exemptions, and state-specific information.

Some common exemptions are pre-existing conditions, appliances already covered by manufacturer’s warranty or recall notice, cosmetic and non-operational repairs (e.g. noise, corrosion), repairs resulting from owner’s negligence, acts of God, or situations beyond what could reasonably be considered normal usage (e.g. fire, lightning, pet/pest damage), defects caused by mildew/mold/rot/fungus/moisture, and damage to walls, floors, and ceilings. Our contract is meant to cover the “wear and tear” gap in your homeowner’s insurance policy, not to duplicate homeowner’s insurance coverage or a manufacturer’s warranty. Refer to the contract for specific coverages, terms, conditions, limitations, exemptions, and state-specific information.

Home Warranty, Inc. claim representatives refer pre-existing condition situations to our service expert who reviews home inspection information (if available) and then confers with the service provider to determine if a condition is pre-existing. It is the home seller’s responsibility to ensure that the appliances are working at the time of sale, the home inspector’s responsibility to verify that the appliances are working at the time of inspection, and Home Warranty, Inc.’s responsibility to maintain the appliances in working condition from the closing until the end of the warranty period.

No, we cover the appliances and mechanical systems without regard their age or the age of the home. We do, however, require that the appliance be in normal operating condition at the time your home warranty coverage commences and properly maintained by the home owner thereafter.

A unique feature of Home Warranty, Inc’s Home Protection Plan is that there is no square foot limitation on the covered home. Keep in mind, however, that larger homes often have more than one heating or cooling system and/or a second kitchen or utility room, in which case optional coverages would need to be purchased for the duplicate appliances and/or mechanical systems. Refer to the “What is covered” section for more information.

Home Warranty, Inc. can provide home warranties to customers in Iowa, Minnesota, Wisconsin, North Dakota, South Dakota, Nebraska, Kansas, Missouri, Illinois, Michigan, Ohio, Indiana, West Virginia, Pennsylvania and Kentucky.

We will be expanding to other states in the future.

Our 6 months of free listing coverage is available to home sellers that want to list their home with a home warranty in an effort to shorten the time the home is on the market AND increase the purchase price of the home. The home seller can decide whether to include the home warranty in the final contract based on whether the home seller feels the offer on his or her home is enough to merit the inclusion of the warranty. If the home seller decides NOT to include the warranty, the warranty cancels and no money is owed, even if there have been claims paid under the warranty (where allowed by state law).

The home seller can contact Home Warranty, Inc. to extend the listing coverage for another 6 months but will be required to pay $100. Coverage may also be allowed to go dormant on the listing and reactivated at closing but the seller takes responsibility for any claims during the dormant period. In certain circumstances, listing coverage may be extended AT NO COST but would require the purchase of the warranty after one full year or upon closing, whichever occurs first. Please contact us for more information.

Heating, Ventilation, and Cooling (HVAC) coverage is optional under the free listing coverage and is granted for free upon satisfactory inspection by a qualified heating and cooling professional. Please call us to arrange for the pre-inspection on your heating and cooling systems or forward a copy of an inspection not over 30 days old. We strongly recommend pursuing the HVAC coverage as over half of the claims we process are related to these systems.

Typically the home seller will purchase the warranty for the buyer but the buyer, the real estate agent, or any third party can also purchase the warranty.

The warranty is paid for at the time of closing and can be invoiced from the title company as requested.

A home inspection is strongly encouraged as a way to know what you are buying and to show confidence in the property you are selling. However, we do not require a home inspection in order to obtain a home warranty.

One of the unique features of the Home Warranty, Inc. Home Protection Plan is that you have flexibility of choice on the service company used to complete your repair or replacement. If we have a Preferred Service Provider in your area, they will do the initial diagnostics and provide a repair or replacement estimate. You then have a choice to use the Preferred Service Provider to complete the repair or replacement, or you can use another service provider to complete the repair or replacement (but they will be subject to the same repair estimate as supplied in the original diagnosis). In areas where we do not have a Preferred Service Provider, we will work with you to find a reputable service company to complete the repair or replacement. UNDER NO CIRCUMSTANCES are you to contact a servicer or complete a repair without calling us first. Doing so will result in the claim being ineligible for coverage under the terms of the warranty.

We are available 24 hours a day, 7 days a week. Call 877-977-4949 and refer to your agreement number that was on your welcome letter, or that you transferred to the magnet that came with your welcome packet. You must contact us before service work is performed as we reserve the right to discuss repair options with your service provider.

There is a $75 service fee due at the time of service and payable to your service provider. If you choose to use our Preferred Service Provider, he or she will bill us directly for the remaining amount of your repair bill. If you choose to use your own service provider who is not one of our Preferred Service Providers, you pay the total cost of the repair to the service provider, then submit your repair bill to Home Warranty, Inc. for reimbursement (less the $75 service fee).

No, Home Warranty, Inc. will provide unlimited claim service on all covered appliances as outlined in our brochure. Please refer to the contract for specific coverages, terms, conditions, limitations, exemptions, and state-specific information.

If your appliance is not repairable, we replace your appliance with a duplicate appliance. If you would rather upgrade your appliance, the additional amount for the upgrade is paid by you (e.g. replacing a standard refrigerator with a refrigerator that has an icemaker and water dispenser).

We are responsible to restore your appliance to normal operating condition. If you would rather take the dollar amount we would have spent on the repair and apply that dollar amount, instead, toward replacing the appliance, you may do so.

Another unique feature of our warranty! On the standard list of items covered, there are no pre-set dollar limitations on the cost of repair.

The warranty is good for one year from the time of closing, unless multiple years were purchased up front. Prior to your coverage expiration date, you will be notified and given the opportunity to renew.

Absolutely! Many of our customers choose to renew because they know how valuable a home warranty is. You can choose to renew for another year or for a multiple of years AND we offer monthly draft or annual payment options for your convenience.

In addition to the Home Protection Plan, Home Warranty, Inc. offers an “a la carte” Appliance Protection Plan that allows you to choose the appliances and/or mechanical systems that you wish to cover. Please see our latest brochure for details.