No homeowner wants to be faced with an essential part of their home experiencing severe problems or failing altogether. Depending on the severity of the issues you’re experiencing, it could take a long time and a lot of money to get whatever is broken repaired. This could leave you in the dark, without running water, without a stove, or with numerous other headaches, not to mention repair bills you can’t afford. Luckily, many aspects of your home are covered under a home warranty.
Unlike homeowner’s insurance, which mainly focuses on covering damages and issues as a result of natural disasters and accidents, a home warranty covers systems and devices within the home that have experienced sudden breakdowns or malfunctions due to faulty parts or wear and tear from everyday use. With the protection of a home warranty, you can save hundreds or even thousands of dollars in expensive repairs and replacements.
What’s covered under a home warranty protection plan? Here are the most important systems and appliances you can protect.
Pipes and Plumbing Systems
The plumbing in your house is very complex and can suffer from a multitude of issues. Trying to fix any plumbing problem yourself without knowing exactly what you’re doing usually leads to more problems and larger repair bills. However, professional plumbing services are expensive, especially when called out for emergencies. It’s much better to have these problems covered under your warranty whenever possible.
Home warranties will cover a wide array of plumbing issues such as leaky pipes, burst pipes, problems with gas lines, toilet functionality issues, severe clogs, issues with sinks, bathtubs, faucets, showerheads, whirlpools, and more. Homeowner’s insurance covers water damage that occurs due to plumbing issues, but it won’t cover repairs and replacements to the plumbing itself like home warranties.
HVAC Systems, Ductwork, and Components
Problems and breakdowns with your HVAC system are undoubtedly uncomfortable, and they can even become dangerous if you’re experiencing extreme hot or cold weather. A home warranty will cover repairs and replacements related to wear and tear and failing parts for numerous systems like ductless mini-splits, hybrid systems, split systems, and geothermal heating. It will also cover problems associated with the duct work throughout your home.
Additionally, many warranties cover routine maintenance work as an incentive to keep your HVAC system maintained regularly, which you are required to do to keep your warranty. Homeowner’s insurance will only cover damage to the unit that has occurred due to fires and weather damage.
Wiring and Electrical Work
The average household has never relied more on electrical systems than it does in today’s modern world. The electrical wiring and various other electrical work throughout your home is highly technical and vulnerable to a wide range of problems. However, a home warranty covers many of those issues.
Home warranties cover problems with your wiring, lighting fixtures, ceiling fans, blowers, electrical panels, circuit breakers, exhaust fans, and even electrical devices that are integrated into your plumbing system such as sump pumps. Homeowner’s insurance only covers certain damages due to power surges, lightning strikes, and accidents.
In addition to the systems integrated throughout the walls of your house, home warranties also cover many issues related to wear and tear and faulty parts in various large and small appliances. Garage door openers, refrigerators, stoves, ovens, dishwashers, garbage disposals, washing machines, dryers, smoke detectors, central vacuums, and more are usually covered under home warranties. Homeowner’s insurance will generally only cover large appliances if they’re stolen, damaged in a fire, or damaged due to natural disasters.
Home Protection Plans are Safe and Affordable
At Everything Breaks, we offer multiple different home protection plans that fit your budget and cover what you want to protect. From major home systems to appliances and even all your electronic devices, we can help protect you from high repair bills by protecting what you use most! Call 800-895-0842 to learn more about our home protection plans today.