Home Warranty Blog and Resources

Heating, Ventilation, and Air Conditioning (HVAC) systems are important for keeping indoor spaces comfortable. They help control temperature, humidity, and air quality in homes, offices, and factories. HVAC systems provide warmth in winter, cool air in summer, and proper ventilation all year, which improves health and productivity. Modern HVAC technology is more energy-efficient, lowering costs and environmental impact. However, HVAC systems can be costly to repair or replace, making a home warranty a smart investment. Home warranties for HVAC systems help protect you from unexpected repair or replacement costs, extend the system’s lifespan, and ensure you stay comfortable.   Our picks for the best home warranty companies for HVAC are: Choice Home Warranty: Best for Affordable Basic Coverage American Home Shield (AHS): Best for Coverage of Pre-Existing Conditions First American Home Warranty: Best for High HVAC Coverage Limits Liberty Home Guard: Best for Multiple AC Systems Elite Home Warranty: Best for Flexible Plans Do Home Warranties Cover HVAC Systems? Yes, many home warranty providers offer coverage for HVAC systems, but typically only with higher-tier plan options. Some providers also offer optional add-ons to enhance the protection of a plan.  Home warranties for HVAC can help protect homeowners from costly repairs due to breakdowns or malfunctions. However, coverage differs between providers, so it's important to thoroughly review the warranty terms before buying. Top Home Warranty Companies for HVAC Systems 1. Choice Home Warranty Best for Affordable Basic Coverage Choice Home Warranty is a budget-friendly option that provides comprehensive HVAC coverage as part of its Total Plan but also offers coverage for heating and ductwork in its Basic Plan. The company offers 24/7 customer support and a large network of service professionals to ensure quick repairs. However, coverage is not available for refrigerant, window units, portable units, grills, or registers. Plan Cost and HVAC Coverage Details: Choice Home Warranty offers two primary plans: Basic Plan: Approx. $46 per month. Includes coverage for heating and ductwork. Total Plan: Approx. $57 per month. Covers heating, air conditioning, and ductwork. Service Fee: $100 per claim. State Availability: Services are available in 48 states, excluding California and Washington. Coverage Caps: Coverage limits can reach up to $3,000 per covered item. Choice Home Warranty Get A Quote 2. American Home Shield (AHS) Best for Coverage of Pre-Existing Conditions American Home Shield offers coverage on unknown pre-existing conditions, making it a great choice for homeowners with older HVAC systems. AHS has customizable plans, allowing customers to select specific coverage for their needs. The company also provides higher coverage limits for HVAC repairs and replacements compared to many competitors. Plan Cost and HVAC Coverage Details: AHS offers three plans: ShieldSilver: Starting at $20 per month. Covers heating, air conditioning, and ductwork. ShieldGold: Starting at $40 per month. Covers heating, air conditioning, and ductwork. ShieldPlatinum: Starting at $70 per month. Covers heating, air conditioning, and ductwork. Includes a free annual HVAC tune-up and unlimited AC refrigerant. Service Fee: Customers can choose between $100 or $125 per service call. State Availability: Available in 48 states, excluding Alaska and Hawaii. Plans with HVAC Coverage: All three plans—ShieldSilver, ShieldGold, and ShieldPlatinum—include HVAC system coverage. Coverage Caps: Up to $5,000 per covered HVAC system.   American Home Shield Get A Quote 3. First American Home Warranty Best for High HVAC Coverage Limits First American Home Warranty offers some of the highest coverage limits for HVAC repairs, making it a strong choice for homeowners with expensive or new HVAC systems. Plan Cost and HVAC Coverage Details: First American offers three plans: Starter Plan: Approx. $48 per month on average. Covers heating and ductwork. Essential Plan: Approx. $60 per month on average. Covers heating, ductwork, and air conditioning systems. Premium Plan: Approx. $80 per month on average. Covers heating, ductwork, air conditioning systems, window units, and additional HVAC components. Includes two seasonal HVAC tune-ups. Service Fee: $100 or $125 per service call. State Availability: Available in 35 states and Washington, D.C. Coverage is NOT available in the following states: Alaska, Connecticut, Delaware, Hawaii, Indiana, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont and Wisconsin. Coverage Caps: No limit for covered HVAC systems First American Home Warranty Get A Quote   4. Liberty Home Guard Best for Multiple AC Systems Liberty Home Guard is one of the most flexible home warranty providers, offering add-on coverage for multiple air conditioning systems — ideal for larger homes or properties with multiple HVAC units. The company also has high customer satisfaction ratings, thanks to fast claim processing and excellent customer service. Plan Cost and HVAC Coverage Details: Liberty offers three main plans: Appliance Guard: Starting at $50 per month. No HVAC coverage. System Guard: Starting at $55 per month. Covers two AC systems, heating, and ductwork. Includes coverage for heating system parts, registers, and grills. Total Home Guard: Starting at $60 per month. Covers two AC systems, heating, and ductwork. Includes coverage for heating system parts, registers, and grills. Service Fee: Typically ranges from $60 to $125 per claim. State Availability: Services are available in 48 states. Plans with HVAC Coverage: HVAC coverage is available on the System Guard and Total Home Guard plans. Coverage Caps: $2,000 per covered system. Liberty Home Guard Get A Quote 5. Elite Home Warranty Best for Flexible Plans Elite Home Warranty offers some of the most customizable plans, allowing homeowners to choose which HVAC components they want covered and to what level. However, they have various coverage limitations, so make sure to review your service contract carefully. Plan Cost and HVAC Coverage Details: Elite offers three standard plans: Elite Appliances: Starting at $45 per month. No HVAC coverage. Elite Systems: Starting at $50 per month. Covers heating, ductwork, and air conditioning. Elite Complete: Starting at $60 per month. Covers heating, ductwork, and air conditioning. Service Fee: $70 per service call. State Availability: Available in 48 states. Plans with HVAC Coverage: The Elite Systems and Elite Complete plans offer HVAC coverage. Add-ons are also available for greater coverage. Coverage Caps: Up to $5,000 per covered system under standard plan limits. Optional add-ons can be purchased to increase the coverage limit. Elite Home Warranty Get A Quote Cost of a Home Warranty for HVAC On average, a home warranty costs between $35 and $80 per month. The cost varies depending on factors like the company, your location, any add-ons you choose, and your plan tier. Additionally, service fees apply for most companies, typically between $60 and $100 per claim. How to Choose the Right Home Warranty for Your HVAC System Choosing the right home warranty for your HVAC system is important. Not all home warranties provide the same coverage; they differ in terms, costs, and service quality. To avoid surprise costs and keep your heating and cooling system running well, consider key factors like coverage details, cost, customer service, and policy limits. Here are the most important points to think about when selecting an HVAC home warranty. 1. Assess Your HVAC System   Look at the age, condition, and maintenance history of your HVAC system. Many home warranty providers don’t cover existing problems or poorly maintained systems. Make sure your HVAC unit is in good shape to avoid problems with claims. Older systems may have different coverage limits or need extra checks for warranty protection. 2. Compare Plans and Coverage Not all home warranty plans offer full HVAC coverage. Some might cover only heating or only cooling. When comparing plans, consider:   Coverage for major parts like the furnace, air conditioner, heat pump, ductwork, and ventilation.   Exclusions and limits, like restrictions on refrigerant replacement or ductwork repairs.   Whether the warranty covers parts and labor or just some repair costs.   A systems-only plan can save money if you only want HVAC coverage. A full home warranty may offer better value by covering appliances too. 3. Look at Service Fees and Coverage Limits Home warranties usually charge a service fee for each claim, typically between $60 and $125 per visit. Some plans also have coverage limits, meaning the provider will only pay a set amount for HVAC repairs each year. Consider:   The maximum amount the provider pays for HVAC repairs.   Any limits per claim or annual caps.   If the service fee makes sense compared to repair costs.   Choosing a plan with a higher coverage cap helps you avoid high out-of-pocket costs. 4. Check Reviews and Company Reputation A home warranty is only as good as the company behind it. Read customer reviews to learn about real experiences, including:   Claim approval rates: Does the company approve most claims, or do many customers report issues?   Response times: How fast does the company send technicians for repairs?   Quality of service: Does the company hire qualified HVAC technicians?   Look at review sites like BestCompany.com, Trustpilot, and the Better Business Bureau (BBB) to check a provider’s reliability before signing. 5. Understand Contract Terms and Cancellation Policies Before you choose a home warranty, read the fine print. Many homeowners are surprised by exclusions, waiting times, and service limits. Key things to check include:   Waiting periods: Some warranties have a 30-day wait before coverage starts.   Cancellation terms: Are there penalties for canceling your plan early? Some companies offer partial refunds, while others have cancellation fees.   Renewal policies: Does the company automatically renew your contract, and can you opt out easily? 6. Look for Extra Benefits Some home warranty companies offer additional perks that can make your plan more valuable, such as:   Seasonal HVAC tune-ups to keep your system running well.  Discounts on energy-efficient HVAC upgrades or repairs.   Transferable warranties if you sell your home, which can attract buyers. 7. Get Quotes and Compare Prices Affordability is important, but the cheapest option isn’t always the best. Request quotes from several providers and compare what you get for the price. Consider:   Monthly or yearly premiums.   Service visit fees.   Coverage limits for HVAC repairs.   Extra costs for add-on coverage, like geothermal heating and cooling systems.   By evaluating these factors, you can find a home warranty plan that offers reliable HVAC coverage, reduces surprise costs, and keeps your home comfortable throughout the year. The Bottom Line A home warranty for HVAC systems gives homeowners peace of mind, financial protection, and convenience. Companies like Choice Home Warranty, American Home Shield, and First American offer different plans to meet various needs and budgets. Before choosing a warranty, compare providers, check what is not covered, and think about your HVAC system's needs. Investing in the right home warranty helps keep your home comfortable and can prevent costly surprises later on. Frequently Asked Questions Is an HVAC home warranty worth it? An HVAC home warranty can be worth it. Maintaining HVAC systems can get expensive, and a home warranty can help offset those repair and replacement costs. Do home warranties cover pre-existing HVAC issues? Some do, but policies vary. Always check terms before purchasing. Can I get coverage for an older HVAC system? Many providers cover systems regardless of age, but some providers have lower coverage limits for systems over a certain age. What’s the typical service fee for an HVAC repair? Usually between $60 and $125 per claim.

When the weather starts getting colder and we all retreat into our homes to stay warm, it’s important to make sure that your house is in good condition to withstand the outdoor elements. Make sure you check the following systems and parts of your home to prepare for winter weather: RoofAtticFireplace and chimneyWindows and doorsCeiling fansAir conditionerFurnaceHeat pumpPipesBoilerSump pumpSmoke detectors and carbon monoxide detectors Roof The winter months can bring unpredictable weather beyond snowfall, such as rain and/or high winds. For that reason, it’s a good idea to visually check out your roof before the weather changes. You may not even have to climb up onto your roof — just taking a look at it from the ground can give you a quick visual of its condition. If you’d like to do a more comprehensive check of your roof, you can climb up and check the shingles and other areas of concern. Take a look at your roof for any signs of damage. Look out for any signs of damaged, buckled, or missing shingles.  Replace loose shingles and repair any visual damage. It is important to visually inspect your roof, particularly if you live in an area that experiences snowfall. The cycle of snow accumulating, freezing, and thawing can be damaging to your roof; check your roof once the winter season has ended in case it has incurred any damage. Attic A lot of heat in a home can be lost through a poorly insulated attic. It is important to inspect your attic insulation and assess whether or not it needs to be replaced. Inspect and install insulation. Inspecting insulation will typically require that you get up into your attic and then measure how much insulation you have. Insulation level recommendations will vary depending on where you live, but a good rule of thumb is as follows: if your insulation measures below your joist, it probably isn’t enough insulation. A standard joist is typically measured at 2” X 8”, and you should have anywhere from 13 to 18 inches of insulation, depending on your location. For more information regarding insulation, check out this insulation guide from Insulation Institute. Fireplace and chimney While the weather outside is frightful, the fire will only be delightful if your fireplace and chimney are in good repair. Schedule a chimney inspection and cleaning. Debris, soot, leaves, and even bird nests can accumulate in your chimney, which could cause chimney fires if not swept away. Thus, it’s important to get your chimney inspected and cleaned for the winter months. Windows and doors If heat is escaping your home, or cold air is entering, windows and doors are typically the culprit. For that reason, it’s important to prepare your home for colder weather by doing the following: Check and replace weatherstripping. Check and repair caulking, but be careful where you caulk. You don’t want to cut off small openings necessary for air flow and/or drainage. It is recommended that you don’t caulk certain exterior fixtures of your home, as well as on operable windows and doors that are in frequent use. In most cases, weatherstripping will be the better option, especially for windows and doors. Remove window screens. Doing so can maximize natural light, in addition to protecting your window frames from damage caused by debris or snow getting trapped in between the screen and your windows. Ceiling fans It can be easy to forget about your ceiling fans, because you obviously wouldn’t be running them through the winter anyways. But in terms of winter preparation, your ceiling fans aren’t something you should ignore. Reverse your ceiling fans. Reversing your ceiling fans can give your heating system a helping hand by forcing warm air down that has risen. This could allow you to lower your thermostat, helping you save more energy and cut back on heating costs. Air conditioner You likely won’t be using your air conditioning system during the cold winter months, but that doesn’t mean you should just turn it off and ignore it. Winterize your air conditioner. According to Climate Care, there are five steps to winterize your air conditioner: Turn your air conditioner off. Clean units. Change the filters. Check pipe insulation. Cover your air conditioner. You may be able to clean and prepare your air conditioner for the winter months by yourself, but it can also be helpful to have a technician come check, clean, and cover it, ensuring that it will remain in good condition throughout the winter. Furnace One of the most important things to take care of before the winter months is your furnace. Get your furnace inspected. Clean air ducts. Change furnace filters. Getting your furnace inspected early on can ensure that you catch any potential problems, or even buy a new furnace, if needed, before the cold sets in. You may be able to easily clean furnace air ducts and change filters easily by yourself, but it is best to have a professional come to inspect your furnace to make sure that everything is working properly. And while you are in the basement, it is a good idea to double check water entry points. If you are concerned about potential flooding, waterproofing the basement may be a good idea.  Heat pump You can follow some of the following steps to prepare your heat pump for the winter months: Clear the area around your heat pump. Change your heat pump filter. Pipes Pipes exposed to cold air can burst, which can cause a lot of damage to your home. So you’ll want to take a few steps to keep your pipes from freezing: Inspect exterior wall pipes. Consider adding insulation to your pipes. Keep your thermostat at at least 55 degrees. This is especially important if you’re going to be out of town. Boiler You wouldn’t want your boiler breaking down during the winter months, so you can take some of the following steps to make sure it’s in good condition before it starts getting cold: Turn it on before winter starts. Check for leaks or any other damage. Schedule a boiler maintenance appointment. Sump pump A sump pump is used to detect water levels and keep them from rising. Typically located in the basement of a home, it is important to ensure that your sump pump is in good condition or else you could risk a flood. Take some of the following steps to properly winterize your sump pump: Remove the sump pump discharge hose. If water freezes inside the hose, it would render the pump unusable until water thaws. Clear out any debris. Test the pump regularly. Simply run some water through to ensure that everything is working properly. Never unplug your sump pump. Smoke detectors and carbon monoxide detectors Having functioning smoke detectors and carbon monoxide detectors is important all year round. However, during the winter months there is less fresh air flow in your home because your windows will be closed to keep cold air out. This can result in a higher risk of carbon monoxide build-up. Check your smoke detectors and carbon monoxide detectors. The bottom line Most maintenance can be done visually and quickly. However, while there are many inspections and fixes that you may be able to do yourself, it can always be a good rule of thumb to schedule professional maintenance, especially for home systems. For further protection, homeowners may want to look into purchasing or renewing their home warranty to ensure full coverage amidst the harsh winter months.  It is important to ensure that all your home systems are functioning properly when winter sets in. But some maintenance can even save you more money on your energy bills, like reversing your ceiling fans and checking your attic insulation, which can both help regulate the heat in your home.

A home warranty can be a lifesaver when major home systems break down, including your septic system. With approximately 25% of American homes relying on septic systems, these homeowners face additional maintenance and repair challenges. A septic system failure can lead to repair costs ranging from $5,000 to $30,000, making a home warranty with septic coverage a valuable investment. But do home warranties actually cover septic systems? Yes, but with limitations. This guide explores the best home warranties for septic systems, their costs, coverage details, and key factors homeowners should consider before choosing a home warranty plan. Jump to the best home warranties for septic systems What is a Septic System? A septic system is an underground wastewater treatment structure commonly used in homes that are not connected to a city's sewer system. It treats and disposes of household wastewater by separating solids from liquids and allowing water to be filtered naturally into the soil. A typical septic system consists of the following components: Septic Tank: A watertight underground container that holds wastewater long enough for solids to settle at the bottom (sludge) and oils/grease to float to the top (scum). Effluent Pump: Moves liquid waste (effluent) from the septic tank to the drain field when gravity alone is insufficient. Drain Field (Leach Field): A network of perforated pipes buried in gravel-filled trenches that allows treated wastewater to slowly seep into the surrounding soil. Baffles and Filters: Direct wastewater flow inside the tank and prevent solids from entering the drain field. Distribution Box: Distributes wastewater evenly across the drain field. Proper maintenance, including regular pumping and inspections, helps ensure the system functions efficiently and avoids costly failures. Do Home Warranties Cover Septic Systems? Not all home warranty plans automatically include septic system coverage. Many providers offer septic system protection as an optional add-on, which homeowners must purchase separately. What’s Typically Covered? A home warranty for septic systems may cover: Septic tank pumps (including aerobic, jet, sump pumps, or sewage ejector pumps) Effluent pumps Septic system pumping Minor repairs to covered septic tank components What’s Not Covered? Most home warranties exclude: Septic tank replacements Pre-existing damage or lack of proper maintenance Before purchasing a plan, always review the contract carefully to understand coverage limits and exclusions. Best Home Warranty Companies for Septic System Coverage Not all home warranty companies offer septic coverage, and those that do vary in terms of cost, limits, and reliability. Most septic home warranty add-ons cost between $5 and $15 per month. Here are some of the best options: First American Home Warranty What We Like: Septic system add-on coverage is inexpensive, only costing $7.08 per month, and provides a one-time septic pumping. The Premium plan offers comprehensive coverage for more appliances and systems than most home warranties. What We Don’t Like: First American is only available in 36 states, and even its most basic plan is more expensive than some companies’ higher-tier plans. Coverage: Septic ejector pump, jet pump, aerobic pump, septic tank line, one-time septic pumping Coverage limit: Up to $500 per term First American Home Warranty Get A Quote Liberty Home Guard What We Like: Liberty Home Guard has an extensive list of optional add-ons, so its coverage is very customizable. It’s also available in all 50 states and Washington, D.C. What We Don’t Like: The coverage limit is lower than with some companies, at a max of $2,000 per item per term for most things and a limit of $500 for all plumbing, electrical systems, and add-ons. Coverage: Septic pumping, pump repairs, pipe and line repairs, drain field, septic tank Coverage limit: Up to $500 per term Liberty Home Guard Get A Quote Choice Home Warranty What We Like: The highest-tier plan is less expensive than many providers and offers pretty comprehensive coverage. The septic add-on also includes septic pumping, unlike some competitors. Choice Home Warranty coverage is available in 49 states. What We Don’t Like: The service fee is a flat $100, which is higher than many providers. The $250 coverage cap per term for septic pumping is also lower than that of some competitors. Coverage: Sewage ejector pump, control box, jet pump, aerobic pump, septic pumping Coverage limit: Up to $500 per term for most add-ons, $250 per term for septic pumping Choice Home Warranty Get A Quote Select Home Warranty What We Like: Select Home Warranty’s plans are affordable, with the highest-tier option starting at $48/month. Septic system coverage only costs an additional $6/month, which is very affordable. What We Don’t Like: The septic coverage doesn’t include septic tank pumping and coverage limits for certain items are lower than some competitors. Mixed customer reviews regarding claim acceptance and customer service. Coverage: Sewage ejector pump, septic tank, jet pump, aerobic pump Coverage limit: Up to $500 per term Select Home Warranty Get A Quote Other providers with septic add-ons include, but are not limited to, American Home Shield, 2-10 Home Buyers Warranty, and Elite Home Warranty. Cost of a Home Warranty That Covers Septic Systems The total cost of a home warranty with septic system coverage depends on the provider and plan selection. Average Costs Home warranty plan: $40–$70 per month ($480–$840 annually) Septic system add-on: $5–$15 per month Service call fee: $75–$150 per claim For example, First American Home Warranty charges $7.08 per month for septic coverage, which translates to about $85 per year. What to Look for in a Home Warranty for Septic Systems Choosing the right home warranty involves looking at coverage, costs, and contract terms. Key factors include: Septic system add-on availability: Ensure the provider offers an optional septic add-on. Covered components: Look for coverage of septic pumps, effluent pumps, and possible pumping services. Exclusions and limitations: Read the fine print for caps on payouts and excluded parts like drain fields. Customer reviews: Check ratings for claim approval rates and customer service quality. Common Septic Claim Denial Reasons There are various reasons why a septic system warranty claim may be denied, including: Lack of maintenance, such as failure to pump the tank regularly Pre-existing conditions, meaning damage existed before purchasing the plan Non-covered components, such as drain fields or tank replacements To ensure claim acceptance, make sure to review your service contract carefully to familiarize yourself with your plan's coverage limitations and stipulations. See More Home Warranty Providers See the top-rated home warranty providers to find the right one for you. Compare Companies The Bottom Line A home warranty with septic system coverage can save homeowners thousands in repair costs, but only if they choose the right provider. Before purchasing a plan, read the fine print, compare costs, and check customer reviews to ensure the warranty meets your needs. With the right coverage, you’ll have peace of mind knowing your septic system is protected. Frequently Asked Questions Does a home warranty cover septic pumping? Some warranties include coverage for septic pumping, but only if a backup occurs. What happens if my septic system fails completely? Home warranties typically cover repairs to components, not full system replacements. Can I get coverage for an older septic system? Typically, yes, but pre-existing conditions won’t be covered. Maintenance records may be required. Do all home warranty providers offer septic system coverage? No, septic coverage is usually an optional add-on, and some providers don’t offer it at all.

Selling a home comes with many decisions, and one of the most overlooked yet potentially valuable options is purchasing a home warranty. While many buyers consider home warranties to protect themselves after purchasing a property, sellers can also benefit from having a home warranty in place before and during the sale process. But is it worth the investment? This guide will explore how a seller’s home warranty works, what it covers, how much it costs, and why it could be a smart move when selling your home. What is a Seller’s Home Warranty? A seller’s home warranty is a service contract that helps pay for repairs or replacements of major home systems and appliances while the home is for sale. This warranty, unlike the one a buyer purchases after closing, protects the seller from unexpected repair costs before the sale is complete. Seller’s home warranties are ideal for older homes with aging systems and appliances. If something breaks while the home is listed for sale, the warranty can help cover the repair costs. This reduces the chances of last-minute expenses that could delay the closing or cause renegotiations. What Does a Seller’s Home Warranty Cost? The cost of a seller’s home warranty varies depending on the provider, the level of coverage, and the location of the home. On average, sellers can expect to pay between $300 and $600 for a basic policy, with optional add-ons increasing the price. Factors that influence the cost include: The age and condition of the home’s systems and appliances The warranty provider and plan selected The level of coverage, including any additional protections for items like pools or septic systems The location of the home, as prices can vary by region In addition to the upfront cost of the policy, sellers should be aware of service call fees, which typically range from $75 to $150 per claim. These fees apply whenever a technician is dispatched to assess or repair a covered item. What Does a Seller’s Home Warranty Cover? A seller’s home warranty typically covers major household systems and appliances, but coverage details vary by provider. Most standard plans include protection for essential home components that could break down due to normal wear and tear. Commonly covered items include: Home systems: HVAC (heating, ventilation, and air conditioning), plumbing, electrical, and water heaters Kitchen appliances: Dishwashers, ovens, stovetops, refrigerators, and built-in microwaves Laundry appliances: Washers and dryers While a home warranty provides valuable protection, it’s important to review the policy carefully. Some items may not be covered, and pre-existing conditions or improper maintenance can result in claim denials. If applicable, sellers should also consider optional coverage for items like pools, spas, or well pumps. Benefits of a Seller’s Home Warranty A seller’s home warranty offers multiple advantages that can make the selling process smoother and more cost-effective. Here are some of the key benefits: Attract More Buyers Buyers often feel more confident purchasing a home with a warranty in place. It reassures them that if something breaks after moving in, they won’t be stuck with expensive repairs. This added peace of mind can make the home more appealing in competitive markets. Reduce Post-Sale Disputes If an appliance or system fails soon after the home is sold, a home warranty can help cover repairs, reducing the risk of the buyer blaming the seller for undisclosed issues. This can help prevent legal disputes and maintain a smoother transaction. Minimize Out-of-Pocket Repair Costs Selling a home can be expensive, and unexpected repair bills can add to the financial burden. A home warranty helps cover repair or replacement costs if something breaks while the home is on the market. Transferring the Home Warranty One of the biggest advantages of a seller’s home warranty is that it can often be transferred to the buyer upon closing. This means the buyer will receive continued coverage for a set period, usually one year after the sale. Here’s what sellers should know about transferring a home warranty: Some home warranty companies charge a transfer fee, while others include it as part of the policy. The buyer will typically have the option to renew the policy after the initial coverage period. Transferring a home warranty can be a great selling point, as it provides added value to the buyer. Before purchasing a home warranty, sellers should confirm the transferability details with their provider to ensure a smooth handoff to the new owner. Why Should a Seller Buy a Home Warranty? A seller’s home warranty isn’t mandatory, but it can be a wise investment, particularly if: You have an older home. If your appliances or systems are old, a home warranty can help you avoid unexpected repair costs before closing. You want to reduce negotiation risks. If something breaks during the home inspection or before closing, the warranty can cover repairs. This can help you avoid price cuts or concessions. You want to attract more buyers. Offering a home warranty can make your home more appealing in the market, especially in areas where buyers look for extra incentives. You’re selling in a buyer’s market. When buyers have many homes to choose from, including a home warranty can make your listing stand out and more attractive. The Bottom Line A seller's home warranty can help when selling your house. It protects against unexpected repairs, attracts buyers, and can reduce disputes after the sale. Although it comes with a cost, the benefits — like increased buyer confidence and less financial risk — often make it worth it. If you're getting ready to sell your home, look into the best home warranty providers to find a plan that fits your needs. Investing a little now can make the selling process easier and more rewarding later on.

It's important to understand what can void your home warranty so your appliances and systems stay protected. Home warranties cover repairs and replacements from normal wear and tear, but certain actions or inactions by homeowners can lead to denied claims or even a voided warranty. This article will list common mistakes that can void a home warranty or lead to denied claims. How a Home Warranty Works A home warranty is a service contract that offers lower costs for fixing or replacing home systems and appliances. Coverage can vary by provider, but it usually includes plumbing, electrical systems, heating, and major appliances. How the Claim Process Works: If a covered item breaks, you contact your warranty provider instead of hiring a repair technician on your own. The provider dispatches an approved contractor to diagnose and repair the issue. You pay a service fee, and the home warranty covers the remaining repair costs unless your claim is denied or your warranty is voided. Each home warranty provider has specific terms and conditions, so it's important to read your contract carefully to understand what is and isn’t covered. What is Covered by a Home Warranty? Coverage varies by provider and plan, but most standard home warranties cover: Air conditioning and heating systems Plumbing and electrical systems Water heaters Ovens, stoves, and dishwashers Ductwork Garbage disposals Ceiling fans Higher-tier plans may also cover refrigerators, washers/dryers, pools, and even roof leaks. Always check your specific contract for coverage details and exclusions. Voided Warranty vs. Denied Claim: What’s the Difference? It’s important to know the difference between a voided home warranty and a denied claim: Voided Warranty: This means your entire warranty contract is canceled. No future claims will be approved, and you’ll be responsible for all repair costs. Denied Claim: This means a specific repair request was rejected, but your home warranty is still active. You may still receive coverage for other repairs in the future. What Can Void Your Home Warranty? While a fully voided warranty is uncommon, certain actions can lead to complete cancellation of your coverage. Major Reasons a Home Warranty Can Be Voided: Non-payment of premiums:  Failing to pay your home warranty bill will result in immediate cancellation of your contract. Fraud or misrepresentation: Lying about pre-existing conditions, altering service records, or providing false information can void your warranty. Unacceptable homeowner behavior: Threatening or verbally abusing customer service representatives or contractors may lead to cancellation. Common Reasons for Denied Home Warranty Claims A denied claim is different from a voided warranty, but repeated claim denials can signal that you’re not maintaining your home properly, which can ultimately void your coverage. Unauthorized Repairs or DIY Fixes Performing repairs without provider approval is one of the easiest ways to cause denied home warranty claims. This includes: Hiring an unapproved contractor Using an unlicensed repair technician Attempting DIY fixes Home warranty providers require approved contractors to ensure repairs meet industry standards. Using unauthorized service providers can invalidate future claims, even if the work was done correctly. Unauthorized or Improper Installation Many home warranties only cover properly installed systems and appliances. If a technician determines that an issue stems from incorrect installation, your claim may be denied. Warranty providers often require that a licensed professional performs the installation to meet safety standards and ensure everything works properly. Lack of Regular Maintenance Every warranty provider expects you to make repairs right away. The meaning of "right away" can differ based on your contract, so check the terms. If you have a leaky roof and ignore it, don’t be surprised if your claim for a damaged ceiling fan is denied. Ignoring small problems can lead to bigger, more expensive issues. For example, a slow-draining sink may seem like a minor inconvenience. However, if left unaddressed, it could lead to severe plumbing damage, rust, and leaks. In such cases, your warranty provider may deny coverage, arguing that the damage resulted from negligence rather than normal wear and tear. Unusual Wear and Tear Using appliances or systems beyond their intended capacity or inappropriately can result in unusual wear and tear, which is typically not covered by warranties. For example, overloading a washing machine or using a residential appliance for commercial purposes can lead to denied claims. Lack of Documentation Many warranty providers require proof of purchase, maintenance records, and service documentation before approving a claim. Losing this documentation can make it difficult to prove eligibility for coverage. A good practice is to scan and store copies of all warranty documents digitally, ensuring they are accessible when needed. Not Following Building Codes Do you keep your home up to code? Many homeowners do not, without even realizing it. Local building codes often change every year, but homeowners usually only pay attention to these codes when they want to renovate. A city inspector will check your property and only give a permit if it meets the building code. If you do not stay up to code, your claims may be denied or your warranty could become void. Building codes may seem strict, but they exist to ensure your safety. Most warranty violations relate to safety issues, especially with plumbing and electricity. Find the Best Home Warranty Compare top-rated home warranty providers to find the right one for you. See Companies Final Thoughts To maintain your home warranty and prevent claim issues: Read your contract thoroughly to understand coverage limitations. Use only approved contractors for repairs and installations. Perform regular maintenance and keep detailed records. Report issues promptly before they worsen. Follow all manufacturer guidelines for appliance use. Ensure your home complies with local building codes. A home warranty can be a valuable investment, but it’s important to follow all contractual obligations to maintain coverage. If you don’t follow the terms of your agreement, you risk having claims denied or your warranty completely voided. By following these steps, you can ensure your home warranty remains valid and continues to provide financial protection for your most important home systems and appliances. 

Every day, millions of homeowners and homebuyers consider whether a home warranty is a worthwhile investment. With home repairs often carrying hefty price tags, many wonder if a home warranty will actually save them money or if it's an unnecessary expense. While there’s no cut-and-dry answer to this question, we’ll help you understand how a home warranty could save you money. Understanding Home Warranties A home warranty is a service contract that helps homeowners pay for repairs or replacements of important home systems and appliances that wear out over time. This warranty can help give you peace of mind, knowing that if your heating system, air conditioner, or kitchen appliance breaks down, you have support to handle the costs. But keep in mind that a home warranty is not the same as homeowners insurance. Homeowners insurance protects you from damages caused by unexpected events like fires, storms, or natural disasters. Commonly covered items include: HVAC systems (heating, ventilation, and air conditioning) Plumbing and electrical systems Kitchen appliances (refrigerators, ovens, dishwashers, etc.) Water heaters Coverage varies by provider and plan, so make sure you carefully review all details before purchasing a policy. Potential Cost Savings A home warranty isn't guaranteed to save you money, but it may. Here are two ways purchasing a home warranty policy could protect your home and your wallet: 1. Protection Against Major Repair Costs Repairs and replacements for major home systems can be expensive. A home warranty can help significantly reduce these out-of-pocket costs. According to industry estimates: A new HVAC system installation can cost between $5,000 and $20,000. A water heater replacement can range from $800 to $3,500. Refrigerator repairs can cost anywhere from $200 to $1,500. If a covered system or appliance breaks down, a home warranty could save a homeowner thousands of dollars in repair or replacement costs. However, home warranty plans require a service fee (typically $75 to $125 per claim) and a premium, and they may have coverage limits on certain items. 2. Budgeting and Predictability If you don't have enough savings for unexpected home repairs, a home warranty can help you manage costs. With a warranty, you pay a set annual or monthly fee instead of worrying about things like a surprise $3,000 furnace replacement. Home warranties usually cost between $300 and $800 per year, depending on the coverage you choose. Basic plans often cover essential systems like heating and plumbing, while more comprehensive plans may also include appliances (or some providers offer appliance-only plans!). This system lets you budget for maintenance costs, reducing stress when major repairs are needed. Limitations and Hidden Costs While home warranties offer some level of financial protection, they also come with potential downsides that could impact cost savings. 1. Coverage Exclusions and Fine Print One of the biggest complaints from consumers is that certain repairs are not covered. Many policies exclude pre-existing conditions, improper maintenance, and accidental damage. Some plans also have caps on repair costs, meaning if a system exceeds a certain dollar amount, the homeowner must cover the difference. 2. Service Call Fees and Deductibles Most home warranty claims require homeowners to pay a service call fee each time a technician is dispatched. If multiple appliances break in a short period, these fees can add up quickly. 3. Limited Contractor Choice Home warranty companies usually work with a set group of contractors. This limits homeowners' control over who does the repairs, and some homeowners are not happy with the quality of service or the time it takes to get repairs done. When a Home Warranty is Worth It A home warranty may be a good investment for: Older Homes: If your home has aging appliances and systems, the likelihood of needing costly repairs is higher. Limited Emergency Fund: If you don’t have savings set aside for major repairs, a home warranty can provide peace of mind. Buying a Home with Unknown History: If you’re purchasing a pre-owned home and are unsure of the maintenance history, a home warranty may help cover unforeseen repairs. When a Home Warranty May Not Be Necessary Not all homeowners benefit from a home warranty. It may not be a good fit if: Your home and appliances are new: Most new appliances and systems come with manufacturer warranties that provide free repairs or replacements for the first few years. You have a solid emergency fund: If you have money set aside for home repairs, a home warranty may not be necessary. You prefer hiring your own contractors: If you want complete control over who services your home, a warranty may limit your options. Find the Perfect Home Warranty See the top-rated home warranty companies and read real customer reviews. Compare Companies Bottom Line: Will a Home Warranty Save You Money? Again, it may. We can't say for certain that it will because everyone's situation is different. If you buy a home warranty and never need to use it because your appliances or home systems never fail, then you're not really saving money. But, even in this case, a home warranty can help provide peace of mind, just in case, and that still may be worth the cost of a monthly or yearly premium. Some of the key factors in determining whether a home warranty will save you money include: The age and condition of your home’s appliances and systems The cost of the warranty compared to potential repair expenses Your ability to handle unexpected repair costs out of pocket To save money, homeowners should compare different home warranty providers and review the details of each policy. It's also important to have realistic expectations about what is covered. Checking reviews of top-rated home warranty companies (like those on BestCompany!) can help you choose a policy that meets your needs. Before buying a home warranty, assess the risks in your home and see if the policy fits your budget. If you make the right choice, a home warranty can provide useful protection and may help you save money in the long run.