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Top 5 Best Home Warranties For Pre-Existing Conditions (2021 Review)

Best Home Warranties for Pre-Existing Conditions

Looking for the best home warranty for pre-existing conditions?

Perfect you’re in the right spot. In this guide you’ll learn:

  • Will I even find a home warranty that covers pre-existing conditions?
  • How much will a home warranty for pre-existing conditions cost?
  • What should I look for in a home warranty for pre-existing conditions?
  • … and answers to all your questions about pre-existing conditions and home warranties.

When choosing a home warranty plan, one aspect many buyers might not even consider is pre-existing conditions. So congratulations, you are thinking outside of the box! Because, even though it is rare, some home warranty companies will cover pre-existing conditions. 

We combed through our data of nearly 70 home warranty providers and found the top five who offer coverage for pre-existing conditions. Say you have problems with your electrical system, air conditioning, clothes washer, cooktop, or water heater, and when you go to have it looked at, they discover a problem that had started well before you purchased the home warranty. Providers are always looking for reasons to deny coverage, and pre-existing conditions are spelled out in the exclusions section of most service agreements.

But not for these companies we’ve reviewed here. There are instances where pre-existing conditions can be covered items. Take a look at the details you need to understand in order to make the right choice in home warranty protection for pre-existing conditions.

Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
97.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
95.8

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer


Our Top Home Warranty for Pre-Existing Conditions Picks

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 95.80
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 95.10
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 Total Home Protection
Editorial Rating 95.05
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)

Do All Home Warranties Cover Pre-Existing Conditions?

No. Finding a home warranty contract that covers pre-existing conditions is like finding a unicorn. We did the heavy lifting for you here to find those that do, and under what conditions. So if a dishwasher or other home appliances–or even your HVAC ductwork or plumbing system–have problems you didn’t know about, you want the peace of mind that comes from home warranty coverage that won’t split hairs about that. It’s difficult to find, but we found 5 top companies we can recommend for just such situations.

If you’re looking for a trusted, industry-leading home warranty company, we recommend Choice Home Warranty. They’re a top-rated brand and right now you can take advantage of their current promotions that get you $50 off, plus one free month and free 30-Day cancellation. Get a free online quote or contact a specialist at 929-400-6169 before these deals end. Another great option is American Home Shield which offers $50 off. Get a free quote online or you can call a home warranty specialist directly at 866-464-7521.

Is A Home Warranty Worth It For Pre-Existing Conditions?

Home warranty coverage is for things that homeowners insurance doesn’t cover. Since coverage is spelled out, for unknown pre-existing conditions, you probably won’t buy a plan specifically for pre-existing conditions. But it can be a factor in your decision. It’s nice to know that a policy won’t hold back on you if you discover some condition you had no control over but existed before the policy was purchased and enforced.  

How Soon Can You Use A Home Warranty For Pre-Existing Conditions After Purchase?

Generally, with any home warranty plan, the effective date is 30 days from the date of purchase. Read the fine print on any contract to see exactly when coverage will start with the providers you are considering.

What To Look For When Picking The Best Home Warranty For Pre-Existing Conditions?

You’ll want to look carefully at the terms. A home warranty is a service contract. When the contract includes stipulations about pre-existing conditions, there will be specific parameters around what they will and will not cover. Some, like Old Republic Home Warranty, will only cover pre-existing conditions for the buyer in a real estate transaction. So be sure to understand the offer and the limitations when it comes to pre-existing conditions and other aspects of coverage. If you have unique systems in your home like a central vacuum, be sure that is covered as well. You should be able to get a free quote from any home warranty company you are considering.

Check out the video below to learn more about what home warranties can cover:

Top Home Warranties For Pre-Existing Conditions Reviewed

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice home warranty

Why Do We Like Choice?

Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have “Optional Coverage” for add on items most homeowners don’t usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items.

Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

Policy On Pre-Existing Issues or Older Units?

Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life.

What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).

Pros

  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable

Cons

  • Only 15 Home Appliances & Systems Covered
 

American Home Shield Review (Editor’s Choice)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

Why Do We Like American Home Shield?

Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.

In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.

They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 – $3,000 per claim.

Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions

Cons

  • Most Expensive
 

Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

Why Do We Like Select Home Warranty?

Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 – $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Most Affordable Service Contracts
  • Roof leaks Are Covered In Their Platinum Plan

Cons

  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors
 

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

Why Do We Like Liberty Home Guard?

Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice.

Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home.

Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month.

We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.

Policy On Pre-Existing Issues or Older Units?

If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.

Pros

  • State of the art customer portal system
  • Rigorous testing for contractors
  • Ability to use your own contractors
  • Fair pricing
  • Good customer service for a newer company

Cons

  • Must report your issues within one day of noticing a problem
 

Total Home Protect Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

total home protection home warranty

Why Do We Like Total Home Protect?

Total Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Total Home Protect does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Total Home Protect covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • You Can Choose Your Own Technicians
  • Roof Coverage

Cons

  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

Our Top Pick For a Home Warranty for Pre-Existing Conditions

Our top pick for home warranties that cover pre-existing conditions is American Home Shield. With the largest service area in the US and their excellent Appliance and Systems plan, AHS offers the best coverage for your home, including any pre-existing conditions.


Our Top Picks Recap

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 95.80
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 95.10
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 Total Home Protection
Editorial Rating 95.05
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)

Frequently Asked Questions For Pre Existing Conditions

Below are just some of the frequently asked questions we receive about home warranties for pre-existing conditions.

Q.

Do Home Warranties Cover Pre-Existing Conditions?

A.
Unfortunately, home warranties do not cover pre-existing conditions. You may find some plans that will cover the pre-existing conditions for a new buyer in a real estate transaction, yet even this is rare. Most of the time, when you start a home warranty policy, you will submit a report or an inspection showing all of your appliances and systems in working order.

In addition, you will have a 30 day wait period before your coverage will start on your home. This gives any current issues a few days to work themselves out before your plan starts. If your dishwasher just broke and you are now thinking a home warranty is a good idea, it is a little late.

You must first fix your current dishwasher and then start your plan. However, let that dishwasher breaking down be a lesson into what a home warranty policy can do for you.
Q.

Will Choice Home Warranty replace my Pre-Existing Conditions?

A.
Replacement costs are an important part of a home warranty policy. In addition to having the ability to get your appliances or systems repaired, some policies will also replace them. Choice Home Warranty offers a replacement for appliances or systems that are beyond repair.

The replacement must be within the policy's limits, and a pre-existing condition cannot cause it. For this reason, it is generally a good idea to have an inspection done before starting your policy. Your inspection will show any issues, and you will never have to dispute them with your warranty company.

For certain things like a sump pump, it can be hard to tell if there are pre-existing conditions. In situations like these, Choice Home Warranty will generally cover as long as there was no knowledge on the part of the homeowner or the inspector that looked at the property when the plan started.
Q.

Who Has The Best Home Warranty Insurance?

A.
When it comes to the best home warranty for pre-existing conditions, almost all plans will have the same policy in place. The pre-existing conditions need to be attended to before starting your new plan.

If you are not upfront about the issues you are having in your home or you are not currently taking care of your appliances and systems, then a home warranty plan is likely not for you. Your home must be in working order prior to starting your plan. Although pre-existing conditions coverage is almost nonexistent in the home warranty world, these top companies still offer great pricing and coverage as part of their plan:

  • Choice Home Warranty
  • American Home Shield
  • Liberty Home Guard
  • Select Home Warranty
  • Total Home Protection
Q.

What Does A Home Warranty Cover?

A.
A home warranty can cover anything from your HVAC system to your microwave. The most essential home services and systems are the most important coverages of the home warranty. Some select home warranty plans will also cover roof leaks.

In addition to the home warranty coverage of basic appliances and systems, there are usually add ons and optional coverages to choose from. For instance, if you have a swimming pool or a spa, you may be able to increase the monthly costs of your plan to add these on.
Q.

Is A Home Warranty For Pre-Existing Conditions Worth It?

A.
Home warranties for pre-existing conditions are nearly impossible to find. Home warranty companies can't afford or promise to pay for an issue that occurred before their involvement in your home. Certainly, this is understandable and something that should be considered when you are shopping.

The most important thing to remember is that purchasing a home warranty will make it, so you never have to worry about these repairs again. In addition, when you sell your home, the new homebuyer will know that they are also covered because of the policy that you had in place.

Home warranties are worth it even if the coverage for pre-existing conditions is very limited or restrictive.