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Home warranties are comparable to insurance policies or service contracts that cover the products and structural components of a residential building. This type of coverage is different from home insurance, which pays for damage and loss caused by natural disasters.
Home warranties cover equipment packages such as kitchen appliances, additional equipment like water heaters, HVAC units, sewers and gas pipes, plumbing and electrical systems, up to swimming pools and spas. Other forms of home warranty take care of home systems.
Home warranties are extremely popular and are considered to be as important as home insurance. They can both save the average home up to $1,500 in home repairs annually and provide the comfort of coverage for systems and appliance if any disasters happen.
Garage door openers, Clothing dryers, Refrigerators, Microwave ovens, Garbage disposals, Ovens, Ceiling and exhaust fans, Clothing washers, Swimming pools, Air conditioning, Plumbing, Water heaters, Solar panels, Thermostats, Coffee machines, Cell phones, Tablets, Televisions, Computers and more
A home warranty deductible is a price you pay for a service call. For example if your refrigerator breaks down then you would need to call a contractor to come fix it. If you have a home warranty then you would call the home warranty provider that would in turn send a licensed contractor to inspect the refrigerator. For every service call like this you will need to pay a deductible. Usually there are no more additions on top of that.