A home warranty can sound like a safety net (and in many respects, it is), but it’s not always clear what it actually includes. Unlike homeowners insurance, which covers damage from things like fires or storms, a home warranty focuses on the systems and appliances inside your house. It’s meant to help with repairs or replacements when everyday items break down from normal use. But not everything is covered, and the fine print matters – a lot. Here’s a closer look at what a typical plan includes, and where the coverage often stops.
What a Home Warranty Typically Covers
Most home warranty plans focus on the everyday essentials, the things you rely on to keep your home running smoothly. These are usually systems and appliances that get regular use and are more likely to wear out over time. Coverage can vary slightly between providers, but here’s what most basic plans include.
Major kitchen appliances (fridge, oven, dishwasher)
Refrigerators, ovens, ranges, and dishwashers are often at the top of the coverage list. If one of these breaks down due to normal use, your home warranty may cover the cost of repairs or even a replacement. However, coverage usually applies only to built-in appliances, and you may need to pay a service fee each time a technician visits. Always check whether high-end models or secondary units (like a second fridge) are included or require an add-on.
HVAC systems (heating and cooling)
Heating and cooling systems are some of the most valuable items covered under a typical home warranty. This usually includes the furnace, central air conditioning, and sometimes ductwork. Because these systems are expensive to repair or replace, having them covered can be a major benefit. Keep in mind that window units, mini-splits, or older systems may not be included by all warranty companies, unless specifically listed in your plan.
Electrical systems
Most plans include coverage for the home’s internal electrical system (things like wiring, outlets, switches, and circuit breakers). If there’s a failure caused by normal wear, the warranty may help cover the cost to fix it. However, it typically won’t include issues caused by faulty installation, code violations, or anything outside the main structure, like outdoor wiring.
Plumbing systems
Home warranties often cover the basic plumbing inside your home, including pipes, drains, toilets, and faucets. If there’s a leak or a clog due to standard wear and tear, the plan may cover the repair. This can also include items like water supply lines and shower valves. Coverage usually doesn’t extend to outdoor plumbing, sprinkler issues, or anything caused by root damage or poor installation.
Water heaters
Water heaters are commonly included in home warranty coverage, whether they’re gas or electric. If the unit stops working due to normal wear, the warranty may help with repair or replacement costs. Some plans also cover tankless water heaters, but it’s important to confirm this in your contract. Issues caused by sediment buildup or lack of maintenance may be excluded.
Washer and dryer (sometimes)
Most home warranty plans do cover washers and dryers, including both front-load and top-load models, usually under a basic appliance package or as an optional upgrade. Coverage typically includes mechanical and electrical parts such as motors, belts, control boards, and drums when they fail due to normal wear. However, cosmetic parts (like knobs, lint screens, or soap dispensers), misuse, lack of upkeep, and pre-existing issues are generally excluded. Plans often have coverage limits per unit and a required service fee for each technician visit. If laundry appliances are important to you, double‑check whether they’re included in the standard plan or require an add‑on, and review payout caps in your agreement.
What Home Warranty Doesn’t Cover
Home warranties can be extremely helpful, but they don’t cover everything. Even the best homeowners warranty will have specific exclusions, and it’s easy to assume something is included when it’s not. Knowing what falls outside the coverage helps avoid surprises when it’s time to file a claim.
Below are a few common gaps that often catch homeowners off guard.
Regular wear-and-tear repairs not covered by the plan
Even though home warranties are meant to cover wear and tear, not all types are included. Issues caused by rust, corrosion, or buildup may also be excluded, depending on the plan. Some plans also limit how much they’ll pay for repairs, which means you could still be responsible for part of the cost.
Items still under manufacturer warranty
If a system or appliance is still covered by its original manufacturer warranty, your home warranty usually won’t apply. Most providers won’t pay for repairs or replacements that another warranty is already responsible for. It’s a good idea to check the status of your appliances before relying on the plan.
Anything not specifically listed in your contract
Home warranty coverage is limited to what’s clearly listed in your service agreement. If an item or component isn’t named, it’s not covered. This includes things like roof repairs, windows, or structural parts of the home (unless you’ve added specific coverage for them). Always review the full list of inclusions and exclusions before signing.
Pre-existing issues
Most home warranties won’t cover problems that existed before the coverage began. If a technician determines the issue started earlier or was already noticeable, the claim will likely be denied. This includes both known and unknown issues, even if you weren’t aware of them.
Poor maintenance or improper installation
If an appliance or system hasn’t been maintained properly or was installed incorrectly, it probably won’t be covered. Providers expect that items are kept in working order according to the manufacturer’s guidelines. Skipping routine care or using unlicensed installers can void your coverage.
Structural parts of the home (roof, walls, windows)
Home warranties usually don’t cover the physical structure of the home. That means no help with roof damage, cracked walls, or broken windows unless your provider offers a specific add-on, and even then, coverage tends to be limited. These items are generally considered outside the scope of a standard plan.
Cosmetic defects (knobs, handles, scratches)
Scratches, dents, loose knobs, or fading surfaces typically aren’t covered. Even if the appliance or system still works, cosmetic damage is considered wear that doesn’t affect function. Home warranties focus on operational failure, not appearance.
Outdoor items (unless add-on)
Standard plans often exclude anything located outside the main home. This includes sprinkler systems, pools, hot tubs, and outdoor kitchens. Some providers offer optional coverage for these, but it comes at an extra cost and may include tighter limitations.
Read the Fine Print Before You Rely on It
A home warranty can offer peace of mind, but only if you understand what it truly covers – and what it doesn’t. Before you sign up, take time to read the contract carefully, ask questions, and make sure the plan fits your actual needs. That way, if something does break down, you’ll know exactly what to expect.
