ServicePlus Blog

Home Warranty News & Articles

Crucial Tips to Follow When Buying A home Warranty Plan

December 23, 2022

If you are planning to purchase a home, you should definitely consider buying a home warranty plan that can protect you from an uncalled repair or replacement costs. Whenever any of your covered items break down due to regular wear and tear, your home warranty company will cover the costs of repairing or replacing the faulty component.

If you are planning to purchase a home warranty plan, you should follow these tips-

A lot of time, the sellers include a home warranty plan as a part of their agreement but if your seller doesn’t offer a home warranty plan, you need to purchase one for your home. Here are the things that you should consider before purchasing a plan from any home warranty company- 

Read the reviews carefully:

The market is now overpopulated by many home warranty companies and some are better choices for you than others. There are companies that mislead their customers by promising a lot but denying the claims and you should stay away from such companies.

It is always better to check the online reviews of a home warranty company that you are planning to purchase. Online reviews help you to see how a company has been treating its customers. You should check the reviews in Better Business Bureau to find unbiased reviews from different customers.

Consider the type of coverage:

Usually, home warranty companies offer three types of plans-

  • A plan for covering home appliances
  • A plan for covering home systems
  • A comprehensive plan for covering both home appliances and systems

You can also avail of an add-on coverage plan for your swimming pool, spa, septic tank, garbage disposal, automatic garage doo, etc.

Home systems that are covered by a home warranty plan are- 

  • Air conditioning
  • Heating system
  • Water heater
  • Electrical sys0tem
  • Plumbing system
  • Ductwork

Home appliances that are covered by a home warranty plan are- 

  • Clothes dryer
  • Washing machine
  • Kitchen Refrigerator
  • Oven Range
  • Dishwasher
  • Garbage disposal
  • Garage door opener


  • Pools and spas
  • Sump pumps
  • Well pumps
  • Central vacuums
  • Septic system pumping
  • Stand-alone freezers
  • In-fridge ice makers
  • Freestanding ice makers
  • Second refrigerators
  • Wine coolers and fridges
  • Limited roof leaks
  • Lighting fixtures
  • Replacing keys
  • Gutter cleaning systems
  • Electronics
  • Swamp coolers
  • Ejector pumps
  • Trash compactors
  • Saltwater pools
  • Generators
  • Plumbing fixtures
  • Grinder pumps
  • Water dispenser water lines
  • Instant hot water dispensers
  • Reverse osmosis water filter systems
  • Professional-grade refrigerators
  • Professional-grade ranges, ovens and cooktops
  • Professional-grade dishwasher
  • Professional-grade microwaves
  • Professional-grade washing machines
  • Professional-grade clothes dryers
  • Window cleaning

Set a budget:

Most home warranty companies offer plans that come with monthly or annual premium options. You can always get discounts and special deals by purchasing a one-time annual plan. Generally, home warranty plans cost between $300 to $600 but you can get add-ons by paying some extra amount.

In addition to the premium, you have to pay a service fee called the deductible every time you claim a service. The deductible amount is negotiable and you can do that at the time of purchasing a plan. The more premium you pay, the less deductible amount is.

Read the home warranty contract carefully:

Before purchasing a home warranty plan from any company, go through the contract carefully as it mentions all the inclusions and exclusions of the plan.

Remember that a home warranty company covers the damages due to regular wear and tear but if the damages come from improper or rough use, your home warranty company may deny the claim. Home warranty companies do not provide coverage for items with pre-existing issues.

Now that you know about the critical things that you should check before purchasing a home warranty plan, it’s time to purchase the perfect plan from the best home warranty company.

Disclaimer: *Terms and conditions may apply.