Question 1

What is a home warranty?

Accepted Answer

A home warranty is a service contract that pays to repair or replace major home systems and appliances when they break down from normal wear and tear. It's not insurance — insurance covers sudden damage from events like fire or theft, while a warranty covers failure from age and use.

Question 2

Is a home warranty worth it?

Accepted Answer

For most homeowners with systems and appliances that are 5+ years old, a warranty typically pays for itself within the first year or two. Newer homes with everything still under manufacturer warranty see less benefit.

Question 3

How is a home warranty different from homeowners insurance?

Accepted Answer

Homeowners insurance covers sudden, accidental damage (fire, theft, storms). A home warranty covers mechanical breakdowns of systems and appliances from ordinary use. Most homeowners carry both.

Question 4

What does a home warranty typically cover?

Accepted Answer

Standard plans cover major systems (HVAC, plumbing, electrical) or appliances (refrigerator, oven, dishwasher, washer, dryer). Combo plans cover both. Optional add-ons include pool, spa, well pump, septic, and limited roof leaks.

Question 5

What isn't covered?

Accepted Answer

Most contracts exclude pre-existing conditions, improper installation, cosmetic damage, code violations, structural issues, and items already under manufacturer warranty. Always read the sample contract before signing.

Question 6

Are there coverage caps?

Accepted Answer

Yes — most plans have per-item and annual dollar caps (commonly $1,500–$3,000 per item). Some providers publish caps clearly; others bury them in the contract.

Question 7

How do I file a claim?

Accepted Answer

Most providers accept claims online 24/7 or by phone. You'll pay a per-visit service fee (typically $60–$125) and the provider dispatches a contractor from their network within 24–72 hours.

Question 8

Can I choose my own contractor?

Accepted Answer

Most providers require you to use their in-network contractor. A few allow you to submit an out-of-network technician's invoice for reimbursement — check the contract.

Question 9

How long is the waiting period?

Accepted Answer

Most home warranties have a 30-day waiting period from purchase before claims can be filed. If you're buying a home, the waiting period is often waived at closing.

Question 10

How much does a home warranty cost?

Accepted Answer

Plans typically run $30–$90 per month, plus a per-visit service fee of $60–$125 when you file a claim. Total annual cost usually falls between $500 and $1,200 depending on plan tier and add-ons.

Question 11

Can I cancel my home warranty?

Accepted Answer

Yes. Most providers offer a 30-day free-look window for a full refund, and pro-rated refunds after that. Cancellation policies vary — check the contract.

Question 12

Does GetHomeWarrantyPro sell home warranties?

Accepted Answer

No. We're an independent comparison platform. We may earn a commission when you sign up through our links, at no extra cost to you.

Home warranty questions, answered plainly.

Home warranty basics

Coverage & exclusions

Claims & service

Pricing & contracts

Ready to protect your home?