Compare Home Warranty Plans
Home warranties are service contracts, not homeowners insurance. Compare covered systems, exclusions, service fees and claim rules before deciding whether a plan fits your home.
Start with your ZIP code
Plans and contractor networks vary by state and service area. Exact eligibility and pricing must be confirmed for the property.
Compare warranty coverage levels
| Plan type | Best for | Main advantage | Important tradeoff |
|---|---|---|---|
| Systems plan | Heating, cooling, electrical and plumbing concerns | Focuses coverage on major home systems | Appliances may not be included |
| Appliance plan | Kitchen and laundry appliances | Targets frequently used household equipment | Major structural systems are usually excluded |
| Combination plan | Households wanting systems and appliances together | Broader coverage in one contract | Higher premiums and many item-specific limits |
| Optional add-ons | Pools, wells, septic systems, extra refrigerators or specialty items | Tailors coverage to unusual property features | Separate limits, waiting periods and fees may apply |
| Repair fund instead | Owners able to save for maintenance directly | Full control over contractor and repair decisions | Requires sufficient cash when a major failure occurs |
What to compare before choosing
- Covered cause of failure: age alone does not guarantee a covered claim.
- Service-call fee: determine whether another fee applies for repeat visits or multiple trades.
- Coverage caps: inspect limits for HVAC, refrigerant, plumbing, appliances and code upgrades.
- Exclusions: pre-existing conditions, maintenance, access, rust, corrosion and improper installation.
- Contractor and claims process: response times, second opinions, replacement choices and appeals.
A sound comparison process
1. Define the need
List the age and condition of systems and appliances most likely to need service.
2. Compare equal proposals
Compare sample contracts line by line, including caps and exclusions—not summaries alone.
3. Verify before agreeing
Confirm waiting periods, cancellation, renewal pricing and contractor-selection rules.
Availability notice: Plan availability, contract terms, contractor networks and coverage decisions vary by provider and state. A home warranty does not replace insurance or routine maintenance; read the complete service contract.
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