What Does A Home Warranty Cover?
Written by: Britt Olizarowicz
Edited by: Andrew Dunn
Jump to: Best Companies | Coverage Quality | What Does A Home Warranty Cover? | What’s Not Covered | Types of Coverage | Types of Homes Eligible for Coverage | When Does Coverage Begin? | How Long Does HW Coverage Last? | Compare Companies | Conclusions | Best Coverage | Final Notes
Maintaining your home can be stressful. Your house has so many moving parts, and any one of them is liable to break down – usually at the most inconvenient time. A home warranty can help you manage all of your home’s systems and appliances, keeping them in good working order and paying to fix them when they go bad.
But home warranties don’t protect absolutely everything in your home, and different home warranty plans will have varying lists of what they will and will not cover. Before investing in a home warranty, it is essential to exactly what your plan will provide.
While coverage options are different from one provider to the next, there is much that most plans have in common. In this article, we’ll go through the items that most home warranty plans cover, the things most plans omit, and what to watch carefully while shopping for a plan.
Best Home Warranty Companies by Coverage for 2023
Company
Plan
Premium (Year)
Deductible
Limit
Coverage
Get free quote
Company
Plan
Rating
Total Plan
Level:
Platinum
Type:
Combo
$609
$85
$500 - $3,000
74%
Details
Level:
Platinum
Type:
Combo
Deductible
$85
Limit
$500 - $3,000
Premium(Year)
$609
Coverage
74%
Details
Included in this coverage plan
Air conditioner
Limit Amount: $3000.00
Covered:
- Ducted electric central air conditioning
- Ducted electric wall air conditioning
- ll components and parts, for units below 13 SEER
- When CHW is unable to facilitate repair/replacement of failed covered equipment at the current SEER rating, repair/replacement will be performed with 13 SEER equipment and/or 7.7 HSPF or higher compliant
Not Covered:
- Gas air conditioning systems
- Condenser casings
- Registers and Grills
- Filters
- Electronic air cleaners
- Window units
- Non-ducted wall units
- Water towers
- Humidifiers
- Improperly sized units
- Chillers
- All exterior condensing, cooling and pump pads
- Roof mounts, jacks, stands or supports
- Condensate pumps
- Commercial grade equipment
- Cost for crane rentals
- Air conditioning with mismatched condensing unit and evaporative coil per manufacturer specifications
- Improper use of metering devices
- Thermal expansion valves
- Refrigerant conversion
- Leak detections
- Water leaks
- Drain line stoppages
- Maintenance
- Noise.
- No more than two systems covered unless purchased separately at time of enrollment.
- We are not responsible for the costs associated with matching dimensions, brand or color made.
- We will not pay for any modifications necessitated by the repair of existing equipment or the installation of new equipment.
Heating system
Limit Amount: $3000.00
Covered:
- All components and parts necessary for the operation of the heating system
- For units below 13 SEER and when We are unable to facilitate repair/replacement of failed covered equipment at the current SEER rating, repair/replacement will be performed with 13 SEER equipment and/or 7.7 HSPF or higher compliant
Not Covered:
- Outside or underground piping
- Components for geothermal and/or water source heat pumps
- Redrilling of wells for geothermal and/or water source heat pumps
- Well pump
- Well pump components for geothermal and/or water source heat pumps
- Access
- Radiators or valves
- Baseboard casings
- Radiant heating
- Dampers
- Valves
- Fuel storage tanks
- Portable units
- Solar heating systems
- Fireplaces and key valves
- Filters
- Line dryers and filters
- Oil filters, nozzles, or strainers
- Registers
- Backflow preventers
- Evaporator coil pan
- Primary or secondary drain pans
- Grills
- Clocks
- Timers
- Add-ons for zoned systems
- Heat lamps
- Humidifiers
- Flues and vents
- Improperly sized heating systems
- Mismatched systems
- Chimneys
- Pellet stoves
- Cable heat (in ceiling
- Wood stoves (even if only source of heating)
- Calcium build-up
- Maintenance
Electrical
Limit Amount: $500.00
Covered:
- All components and parts including built-in bathroom exhaust fans
Not Covered:
- Fixtures
- Carbon monoxide alarms, smoke detectors, detectors or related systems
- Intercoms and doorbell systems associated with intercoms
- Inadequate wiring capacity
- Solar power systems and panels
- Solar Components
- Energy Management Systems
- Direct current (D.C.) wiring or components
- Attic exhaust fans
- Commercial grade equipment
- Auxiliary or sub-panels
- Broken and/or severed wires
- Rerunning of new wiring for broken wires
- Wire tracing
- Garage door openers
- Central vacuum systems
- Damages due to power failure or surge
- Circuit Overload
Plumbing
Limit Amount: $500.00
Covered:
- Leaks and breaks of water, drain, gas, waste or vent lines, except if caused by freezing or roots
- Toilet tanks, bowls and mechanisms (replaced with builder’s grade as necessary), toilet wax ring seals Valves for shower, tub, and diverter angle stops, rinses and gate valves
- Permanently installed interior sump pumps
- Built-in bathtub whirlpool motor and pump assemblies
- Stoppages/Clogs in drain and sewer lines up to 100 feet from access point
- Mainline stoppages are only covered if there is an accessible ground level clean out
Not Covered:
- Stoppages and clogs in drain and sewer lines that cannot be cleared by cable or due to roots, collapsed, broken, or damaged lines outside the confines of the main foundation (even if within 100 feet of access point)
- Access to drain or sewer lines from vent or removal of water closets
- Cost to locate, access or install ground level clean out
- Slab leaks
- Polybutylene or Quest piping
- Galvanized drain lines
- Hose Bibs
- Drum traps
- Flange
- Collapse of or damage to water, drain, gas, waste or vent lines caused by freezing, settlement and/or roots
- Faucets, fixtures, cartridges, shower heads & shower arms
- Baskets and strainers
- Popup assemblies
- Bathtubs and showers
- Cracked porcelain
- Glass
- Shower enclosures and base pans
- Roman tubs
- Bath tub drain mechanisms
- Sinks
- Toilet lids and seats
- Cabling or grouting
- Whirlpool jets
- Whirlpool control panel
- Septic tanks
- Sewage ejector pumps
- Water softeners
- Pressure regulators
- Inadequate or excessive water pressure
- Flow restrictions in fresh water lines caused by rust, corrosion or chemical deposits
- Holding or storage tanks
- Saunas and/or steam rooms
Water heater
Limit Amount: $3000.00
Covered:
- All components and parts, including circulating pumps
Not Covered:
- Access
- Insulation blankets
- Pressure reducing valve
- Sediment build-up
- Rust and corrosion
- Main, Holding or storage tanks
- Vents and flues
- Thermal expansion tanks
- Low boy and/or Squat water heaters
- Solar water heaters
- Solar components
- Fuel, holding or storage tanks
- Noise
- Energy management systems
- Commercial grade equipment and units exceeding 75 gallons
- Drain pans and drain lines
- Tankless waterheaters
Refrigerator
Limit Amount: $3000.00
Covered:
- All components and parts, including integral freezer unit
Not Covered:
- Racks
- Shelves
- Lighting and handles
- Freon
- Ice makers, ice crushers, beverage dispensers and their respective equipment
- Water lines and valve to ice maker
- Line restrictions
- Leaks of any kind
- Interior thermal shells
- Freezers which are not an integral part of the refrigerator
- Wine coolers or mini refrigerators
- Food spoilage
- Doors
- Door seals and gaskets
- Hinges
- Glass
- Audio/Visual equipment and internet connection components
Oven
Limit Amount: $3000.00
Covered:
- All components and parts
Not Covered:
- Clocks (unless they affect the cooking function of the unit)
- Meat probe assemblies
- Rotisseries
- Racks
- Handles
- Knobs
- Door seals
- Doors
- Hinges
- Lighting and handles
- Glass
- Sensi-heat burners will only be replaced with standard burners
Dishwasher
Limit Amount: $3000.00
Covered:
- All components and parts
Not Covered:
- Racks
- Baskets
- Rollers
- Hinges
- Handles
- Doors
- Door gaskets
- Damage caused by broken glass
- Cleaning
Microwave
Limit Amount: $3000.00
Covered:
- All components and parts
Not Covered:
- Doors
- Hinges
- Handles
- Doors
- Door glass
- Lights
- Interior linings
- Trays
- Clocks
- Shelves
- Portable or counter top units
- Arcing
- Meat probe assemblies
- Rotisseries
Disposal
Limit Amount: $3000.00
Covered:
- ll components and parts, including entire unit
Not Covered:
- Problems and/or jams caused by bones, glass, or foreign objects other than food
Washer
Limit Amount: $3000.00
Covered:
- All components and parts,
Not Covered:
- Noise
- Plastic mini-tubs
- Soap dispensers
- Filter screens
- Knobs and dials
- Door seals
- Hinges
- Glass
- Leveling and balancing
- Damage to clothing
Dryer
Limit Amount: $3000.00
Covered:
- All components and parts
Not Covered:
- Noise
- Venting
- Lint screens
- Knobs and dials
- Doors
- Door seals
- Hinges
- Glass
- Leveling and balancing
- Damage to clothing
Ductwork
Limit Amount: $500.00
Covered:
- Duct from heating unit to point of attachment at registers or grills
Not Covered:
- Registers and grills
- Insulation
- Asbestos-insulated ductwork
- Vents, flues and breaching
- Ductwork exposed to outside elements
- Improperly sized ductwork
- Separation due to settlement and/or lack of support
- Damper motors
- Diagnostic testing of, or locating leaks to ductwork, including but not limited to, as required by any federal, state or local law, ordinance or regulation, or when required due to the installation or replacement of system equipment.
Garage door
Limit Amount: $3000.00
Covered:
- All components and parts
Not Covered:
- Garage doors
- Hinges
- Springs
- Sensors
- Chains
- Travelers
- Tracks
- Rollers
- Remote receiving and/or transmitting devices
Ceiling fan
Limit Amount: $3000.00
Covered:
- Motors
- Switches
- Controls
- Bearings
Not Covered:
- Fans
- Blades
- Belts
- Shutters
- Filters
- Lighting
Cooktop exhaust fan
Limit Amount: $3000.00
Covered:
- Motors
- Switches
- Controls
- Bearings
Not Covered:
- Fans
- Blades
- Belts
- Shutters
- Filters
- Lighting
Plumbing stoppages
Limit Amount: $3000.00
Covered:
- Leaks and breaks of water, drain, gas, waste or vent lines, except if caused by freezing or roots
- Toilet tanks, bowls and mechanisms (replaced with builder’s grade as necessary), toilet wax ring seals Valves for shower, tub, and diverter angle stops, rinses and gate valves
- Permanently installed interior sump pumps
- Built-in bathtub whirlpool motor and pump assemblies
- Stoppages/Clogs in drain and sewer lines up to 100 feet from access point
- Mainline stoppages are only covered if there is an accessible ground level clean out
Not Covered:
- Stoppages and clogs in drain and sewer lines that cannot be cleared by cable or due to roots, collapsed, broken, or damaged lines outside the confines of the main foundation (even if within 100 feet of access point)
- Access to drain or sewer lines from vent or removal of water closets
- Cost to locate, access or install ground level clean out
- Slab leaks
- Polybutylene or Quest piping
- Galvanized drain lines
- Hose Bibs
- Drum traps
- Flange
- Collapse of or damage to water, drain, gas, waste or vent lines caused by freezing, settlement and/or roots
- Faucets, fixtures, cartridges, shower heads & shower arms
- Baskets and strainers
- Popup assemblies
- Bathtubs and showers
- Cracked porcelain
- Glass
- Shower enclosures and base pans
- Roman tubs
- Bath tub drain mechanisms
- Sinks
- Toilet lids and seats
- Cabling or grouting
- Whirlpool jets
- Whirlpool control panel
- Septic tanks
- Sewage ejector pumps
- Water softeners
- Pressure regulators
- Inadequate or excessive water pressure
- Flow restrictions in fresh water lines caused by rust, corrosion or chemical deposits
- Holding or storage tanks
- Saunas and/or steam rooms
Toilet
Limit Amount: Unknown
Available for optional add-on
-
+ $180 -
+ $180 -
+ $120 -
+ $100 -
+ $70 -
+ $65 -
+ $40 -
+ $40 -
+ $40 -
+ $40
Pool
Limit Amount: $500.00
Covered:
- Heater
- Pump
- Motor
- Filter
- Filter timer
- Gaskets
- Blower
- Timer
- Valves, limited to back flush, actuator, check, and 2 and 3-way valves
- Relays and switches
- Pool sweep motor and pump
- Above ground plumbing pipes and wiring
Not Covered:
- Portable or above ground pools/spas
- Control panels and electronic boards
- Lights
- Liners
- Maintenance
- Structural defects
- Solar equipment
- Jets
- Ornamental fountains, waterfalls and their pumping systems
- Pool cover and related equipment
- Fill line and fill valve
- Built-in or detachable cleaning equipment such as, but not limited to, pool sweeps, pop up heads
- Turbo valves, skimmers, chlorinators, and ionizers
- Fuel storage tanks
- Disposable filtration mediums
- Cracked or corroded casings
- Grids
- Cartridges
- Heat pump
- Salt water systems.
Spa
Limit Amount: $500.00
Covered:
- Heater
- Pump
- Motor
- Filter
- Filter timer
- Gaskets
- Blower
- Timer
- Valves, limited to back flush, actuator, check, and 2 and 3-way valves
- Relays and switches
- Pool sweep motor and pump
- Above ground plumbing pipes and wiring
Not Covered:
- Portable or above ground pools/spas
- Control panels and electronic boards
- Lights
- Liners
- Maintenance
- Structural defects
- Solar equipment
- Jets
- Ornamental fountains, waterfalls and their pumping systems
- Pool cover and related equipment
- Fill line and fill valve
- Built-in or detachable cleaning equipment such as, but not limited to, pool sweeps, pop up heads
- Turbo valves, skimmers, chlorinators, and ionizers
- Fuel storage tanks
- Disposable filtration mediums
- Cracked or corroded casings
- Grids
- Cartridges
- Heat pump
- Salt water systems.
Septic
Limit Amount: $500.00
Covered:
- Sewage ejector pump
- Jet pump
- Aerobic pump
- Septic tank and line from house.
Not Covered:
- Leach lines
- Field lines
- Lateral lines
- Tile fields and leach beds
- Insufficient capacity
- Clean out
- Pumping
Well pump
Limit Amount: $500.00
Covered:
- All components and parts of well pump utilized for main dwelling only
Not Covered:
- Holding or storage tanks
- Digging
- Locating pump
- Pump retrieval
- Redrilling of wells
- Well casings
- Pressure tanks
- Pressure switches and gauges
- Check valve
- Relief valve
- Drop pipe
- Piping or electrical lines leading to or connecting pressure tank and main dwelling including wiring from control box to the pump
- Booster pumps
- Well pump and well pump components for geothermal and/or water source heat pumps
Roof leaks
Limit Amount: $500.00
Covered:
- Repair of shake, shingle, and composition roof leaks over the occupied living area
Not Covered:
- Porches
- Patios
- Cracked and/or missing material
- Foam roofs
- Tar and gravel or metal roof
- Cem wood shakes
- Masonite shingles
- Flat or built-up roof
- Structural leaks adjacent to or caused by appendages of any kind
- Downspouts Flashing
- Gutters
- Skylights
- Decks
- Patio covers
- Solar equipment
- Roof jacks
- Antennae
- Satellite components
- Chimneys
- Partial roof replacement
- Preventative maintenance.
Septic tank pumping
Limit Amount: $250.00
Covered:
- Main line stoppages/clogs (one time only, and must have existing access or clean out).
- If a stoppage is due to a septic tank back up, then We will pump the septic tank one time during the contract term.
Not Covered:
- The cost of gaining or finding access to the septic tank and the cost of sewer hook ups
- Disposal of waste
- Chemical treatments
- Tanks
- Leach lines
- Cess pools
- Mechanical pumps/systems
Sump pump
Limit Amount: Unknown
Covered:
- Permanently installed sump pump for ground water, within the foundation of the home or attached garage
Not Covered:
- Sewerage ejector pumps
- Portable pumps
- Backflow preventers
- Check valves
- Piping modifications for new installs
Vacuum
Limit Amount: Unknown
Covered:
- All mechanical system components and parts
Not Covered:
- Ductwork
- Hoses
- Blockages
- Accessories
Stand-alone freezer
Limit Amount: Unknown
Covered:
- All parts and components that affect the operation of the unit
Not Covered:
- Ice-makers, crushers, dispensers and related equipment
- Internal shell
- Racks
- Shelves
- Glass displays
- Lights
- Knobs and caps
- Dials
- Doors
- Door seals and gaskets
- Door hinges
- Door handles
- Glass
- Condensation pans
- Clogged drains and clogged lines
- Grates
- Food spoilage
- Freon
- Disposal and recapture of Freon
Refrigerator
Limit Amount: Unknown
Covered:
- All components and parts, including integral freezer unit
Not Covered:
- Racks
- Shelves
- Lighting and handles
- Freon
- Ice makers, ice crushers, beverage dispensers and their respective equipment
- Water lines and valve to ice maker
- Line restrictions
- Leaks of any kind
- Interior thermal shells
- Freezers which are not an integral part of the refrigerator
- Food spoilage
- Doors
- Door seals and gaskets
- Hinges
- Glass
- Audio/Visual equipment and internet connection components
Total Home Guard plan
Level:
Platinum
Type:
Combo
$720
$75
$500 - $2,500
77%
Details
Total Home Guard plan
Rating: 98.00
Level:
Platinum
Type:
Combo
Deductible
$75
Limit
$500 - $2,500
Premium(Year)
$720
Coverage
77%
Details
Included in this coverage plan
Heating system
Limit Amount: $2500.00
Covered:
- All components and parts necessary for the operation of the heating system
- One Circulating Pump
- Annually, reversing valves, freon lines
- For units below 13 SEER and when we are unable to facilitate repair/replacement of failed covered equipment at the current SEER rating, repair/replacement will be performed with 13 SEER equipment and/or 7.7 HSPF or higher compliant
Not Covered:
- Outside or underground piping
- Components for geothermal and/or water source heat pumps
- Re-drilling of wells for geothermal and/or water source heat pumps, and well pump components for geothermal and/or water source heat pumps
- Radiators or valves
- Baseboard casings
- Radiant heating
- Dampers
- Valves
- Fuel storage tanks
- Portable units
- Solar heating systems
- Fireplaces and key valves
- Filters
- Line dryers and filters
- Oil filters, nozzles, or strainers
- Registers
- Backflow preventers
- Evaporator coil pan
- Primary or secondary drain pans
- Grills
- Clocks
- Timers
- Add-ons for zoned systems - Heat lamps - Humidifiers Flues and vents
- Improperly Sized heating systems
- Mismatched Systems
- Chimneys
- Pellet Stoves
- Cable Heat (in ceiling)
- Wood/coal/pellet units (even if only source of heating)
- Calcium build-up
- Routine maintenance
Air conditioner
Limit Amount: $2500.00
Covered:
- Ducted electric central air conditioning, ducted electric wall air conditioning
- All components and parts, for units below 13 SEER and when we are unable to facilitate repair/replacement of failed covered equipment at the current SEER rating, repair/replacement will be performed with 13 SEER equipment and/or 7.7 HSPF or higher compliant
Not Covered:
- Gas air conditioning systems
- Condenser casings
- Registers and Grills
- Filters
- Electronic air cleaners
- Window units
- Non-ducted wall units
- Water towers
- Humidifiers
- Improperly sized units
- Chillers
- All exterior condensing, cooling and pump pads
- Roof mounts, jacks, stands or supports
- Condensate pumps
- Commercial grade equipment
- Cost for crane rentals
- Air conditioning with mismatched condensing unit and evaporative coil per manufacturer specifications
- Improper use of metering devices
- Thermal expansion valves
- Refrigerant conversion
- Leak detections
- Water leaks
- Drain line stoppages
- Noise
- Geothermal piping and wells
- Electrical supply
Water heater
Limit Amount: $500.00
Covered:
- All components and parts, including circulating pumps
Not Covered:
- Access
- Insulation blankets
- Pressure reducing valve
- Sediment build-up
- Rust and corrosion
- Main, Holding or storage tanks
- Vents and flues
- Thermal expansion tanks
- Low boy and/or Squat water heaters
- Solar water heaters
- Solar components
- Fuel, holding or storage tanks
- Noise
- Energy management systems
- Commercial grade equipment and units exceeding 75 gallons
- Drain pans and drain lines
Plumbing
Limit Amount: $1600.00
Covered:
- Leaks and breaks of water, drain, gas, waste or vent lines, except if caused by freezing or roots
- Toilet tanks, bowls and mechanisms (replaced with builder’s grade as necessary), toilet wax ring seals
- Valves for shower, tub, and diverter angle stops, rinses and gate valves
- Permanently installed interior sump pumps
- Built-in bathtub whirlpool motor and pump assemblies
- Stoppages/Clogs in drain and sewer lines up to 100 feet from access point
- Mainline stoppages are only covered if there is an accessible ground level clean out
Not Covered:
- Stoppages and clogs in drain and sewer lines, (including auxillary sewage waste lines or shared waste lines) that cannot be cleared by cable or due to roots, collapsed, broken, or damaged lines outside the confines of the main foundation (even if within 100 feet of access point)
- Access to drain or sewer lines from vent or removal of water closets
- Cost to locate, access or install ground level clean out
- Slab leaks
- Polybutylene or Quest piping
- Galvanized drain lines
- Hose Bibs
- Drum traps
- Flange
- Collapse of or damage to water, drain, gas, waste or vent lines caused by freezing, settlement and/or roots
- Faucets, fixtures, cartridges, shower heads & shower arms
- Baskets and strainers
- Popup assemblies
- Bathtubs and showers
- Cracked porcelain
- Glass
- Shower enclosures and base pans
- Roman tubs
- Bath tub drain mechanisms
- Sinks
- Toilet lids and seats
- Cabling or grouting
- Whirlpool jets
- Whirlpool control panel
- Septic tanks
- Sewage ejector pumps
- Water softeners
- Pressure regulators
- Flood Control Gate or Check valves
- Stoppage Due to Main Line Collapse
- Caulking
- Shower Enclosures
- Tile
- Water Filtration Systems
- Water Softener
- Iron Breakers
- Sink Replacement
- Pressure Regulating Valves
- Inadequate or excessive water pressure
- Flow restrictions in fresh water lines caused by rust, corrosion or chemical deposits
- Holding or storage tanks
- Saunas and/or steam rooms
Electrical
Limit Amount: $1600.00
Covered:
- All components and parts, including built-in bathroom exhaust fans
Not Covered:
- Carbon monoxide alarms, smoke detectors, detectors or related systems
- Intercoms and doorbell systems associated with intercoms
- Fixtures and lamps
- Smart home and communicating devices
- Inadequate wiring capacity
- Solar power systems and panels
- Solar Components
- Energy Management Systems
- Direct current (D.C.) wiring or components
- Attic exhaust fans
- Commercial grade equipment
- Auxiliary or sub panels
- Broken or severed wires
- Rerunning of new wiring for broken wires
- Wire tracing Garage door openers
- Central vacuum systems
- Damage due to power Failure or surge
- Circuit overload
Ductwork
Limit Amount: $1600.00
Covered:
- Leaks or breaks in ductwork (sheet metal, duct board, and flex duct including vapor barrier) from heating and/or air conditioning unit(s) including registers or grills
Not Covered:
- Registers and grills
- Insulation
- Vents, flues and breaching
- Ductwork exposed to outside elements
- Improperly sized ductwork
- Separation due to settlement and/or lack of support
- Damper motors
- Air cleaner cabinets
- Diagnostic testing of, or locating leaks to ductwork, including but not limited to, as required by any federal, state or local law, ordinance or regulation, or when required due to the installation or replacement of system equipment
Washer
Limit Amount: $1600.00
Covered:
- All components and parts
Not Covered:
- Noise
- Plastic mini-tubs
- Soap dispensers
- Filter screens
- Knobs and dials
- Door seals
- Hinges
- Glass
- Leveling and balancing
- Damage to clothing
Dryer
Limit Amount: $1600.00
Covered:
- All components and parts
Not Covered:
- Noise
- Venting
- Lint screens
- Knobs and dials
- Doors
- Door seals
- Hinges
- Glass
- Leveling and balancing
- Damage to clothing
Refrigerator
Limit Amount: $1600.00
Covered:
- All components and parts, including integral freezer unit
Not Covered:
- Racks
- Shelves
- Lighting and handles
- Freon
- Ice makers, ice crushers, beverage dispensers and their respective equipment
- Water lines and valve to ice maker
- Line restrictions
- Leaks of any kind
- Interior thermal shells
- Freezers which are not an integral part of the refrigerator
- Wine coolers or mini refrigerators
- Food spoilage
- Doors
- Door seals and gaskets
- Hinges
- Glass
- Audio/Visual equipment and internet connection components.
Refrigerator ice maker
Limit Amount: $1600.00
Microwave
Limit Amount: $1600.00
Covered:
- All components and parts
Not Covered:
- Doors
- Hinges
- Handles
- Doors
- Door glass
- Lights
- Interior linings
- Trays
- Clocks
- Shelves
- Portable or counter top units
- Arcing
- Meat probe assemblies
- Rotisseries
Dishwasher
Limit Amount: $1600.00
Covered:
- All components and parts
Not Covered:
- Racks
- Baskets
- Rollers
- Hinges
- Handles
- Doors
- Door gaskets
- Damage caused by broken glass
Disposal
Limit Amount: $1600.00
Covered:
- All components and parts
Not Covered:
- Problems and/or jams caused by bones, glass, or foreign objects other than food.
Oven
Limit Amount: $1600.00
Covered:
- All components and parts
Not Covered:
- Clocks (unless affecting the cooking function of the unit)
- Meat probe assemblies
- Rotisseries
- Racks
- Handles
- Knobs
- Door seals
- Doors
- Hinges
- Lighting and handles
- Glass
- Sensi
- Heat burners will only be replaced with standard burners
Ceiling fan
Limit Amount: $1600.00
Covered:
- Motors
- Switches
- Controls
- Bearings
Not Covered:
- Fans
- Blades
- Belts
- Shutters
- Filters
- Lighting
Cooktop exhaust fan
Limit Amount: $1600.00
Covered:
- Motors
- Switches
- Controls
- Bearings
Not Covered:
- Fans
- Blades
- Belts
- Shutters
- Filters
- Lighting
Garage door
Limit Amount: $1600.00
Covered:
- All components and parts
Not Covered:
- Garage doors
- Hinges
- Springs
- Sensors
- Chains
- Travelers
- Tracks
- Rollers
- Remote receiving and/or transmitting devices
Plumbing stoppages
Limit Amount: Unknown
Toilet
Limit Amount: Unknown
Bath exhaust fan
Limit Amount: Unknown
Available for optional add-on
-
+ $239.99 -
+ $199.99 - + $199.99
-
+ $149.99 -
+ $139.99 - + $129.99
- + $129.99
-
+ $119.99 - + $119.99
- + $99.99
-
+ $99.99 -
+ $99.99 - + $89.99
- + $89.99
- + $79.99
-
+ $74.99 - + $59.99
-
+ $49.99
Saltwater pool
Limit Amount: $500.00
Covered:
- Salt water pool cell;
- Pump;
- Filtration system;
- Circuit board;
- Chlorinator
Generator
Limit Amount: $500.00
Covered:
- Engine;
- Alternator;
- Control Panel;
- Voltage regulator;
- Transfer switches
Pool
Limit Amount: $500.00
Covered:
- Both pool and built-in spa equipment (exterior hot tub and whirlpool) are covered if they utilize common equipment
- Heater
- Pump
- Motor
- Filter
- Filter timer
- Gaskets
- Blower
- Timer
- Valves, limited to back flush, actuator, check, and 2 and 3-way valves
- Relays and switches
- Pool sweep motor and pump
- Above ground plumbing pipes and wiring
Not Covered:
- Portable or above ground pools/spas
- Control panels and electronic boards
- Lights
- Liners
- Maintenance
- Structural defects
- Solar equipment
- Jets
- Ornamental fountains, waterfalls and their pumping systems
- Pool cover and related equipment
- Fill line and fill valve
- Built-in or detachable cleaning equipment such as, but not limited to, pool sweeps, pop up heads
- Turbo valves, skimmers, chlorinators, and ionizers
- Fuel storage tanks
- Disposable filtration mediums
- Cracked or corroded casings
- Grids
- Cartridges
- Heat pump
- Salt water generators and components
Pests
Limit Amount: Unknown
Covered:
- Ants, cockroaches, silverfish, clothes moths, non-poisonous spiders, scorpions, centipedes, millipedes, earwigs, house crickets, paper wasps, and house ants.
Water softener
Limit Amount: Unknown
Covered:
- All mechanical components and parts pertaining to the functionality of the unit.
Septic
Limit Amount: $500.00
Covered:
- Main line stoppages/clogs (one time only, and must have existing access or clean out)
- If a stoppage is due to a septic tank back up, then we will pump the septic tank one time during the term of the plan.
Not Covered:
- The cost of gaining or finding access to the septic tank and the cost of sewer hook ups
- Disposal of waste
- Chemical treatments
- Tanks
- Leach lines
- Cesspools
- Mechanical pumps/systems
Well pump
Limit Amount: $1600.00
Covered:
- All components and parts of well pump utilized for main dwelling only
Not Covered:
- Holding or storage tanks
- Digging
- Locating pump
- Pump retrieval
- Redrilling of wells
- Well casings
- Pressure tanks
- Pressure switches and gauges
- Check valve
- Relief valve
- Drop pipe
- Piping or electrical lines leading to or connecting pressure tank and main dwelling including wiring from control box to the pump
- Booster pumps
- Well pump and well pump components for geothermal and/or water source heat pumps
Wine refrigerator
Limit Amount: $500.00
Covered:
- All mechanical components and parts pertaining to the functionality of the unit
Roof leaks
Limit Amount: $1000.00
Covered:
- Roof leak patching over the occupied living areas of single-family homes
Not Covered:
- Patios;
- Metal roofs;
- Shingles;
- Cracked and/or missing material;
- Tiles;
- Tar and gravel;
- Flat or built-up roofs;
- Structural damage;
- Gutters (unless additionally purchased);
- Downspouts;
- Skylights;
- Flashing
- Satellite, antennae, and chimney components.
Spa
Limit Amount: $500.00
Covered:
- Additional Spa
Sprinkler
Limit Amount: Unknown
Covered:
- All mechanical components and parts pertaining to the functionality of the unit.
Locksmith
Limit Amount: Unknown
Covered:
- Rekey two cylinders
Sump pump
Limit Amount: $150.00
Covered:
- Permanently installed sump pump for ground water, within the foundation of the home or attached garage
Not Covered:
- Sewage ejector pumps
- Portable pumps
- Backflow preventers
- Check valves
- Piping modifications for new installs
Vacuum
Limit Amount: $1600.00
Covered:
- All mechanical system components and parts
Not Covered:
- Ductwork
- Hoses
- Blockages
- Accessories
Refrigerator
Limit Amount: Unknown
Trash compactor
Limit Amount: $500.00
Covered:
- All mechanical components and parts pertaining to the functionality of the unit
Stand-alone freezer
Limit Amount: $1600.00
Covered:
- All parts and components that affect the operation of the unit
Not Covered:
- Ice-makers, crushers, dispensers and related equipment
- Internal shell
- Racks
- Shelves
- Glass displays
- Lights
- Knobs and caps
- Dials
- Doors
- Door seals and gaskets
- Door hinges
- Door handles
- Glass
- Condensation pans
- Clogged drains and clogged lines
- Grates
- Food spoilage
- Freon
- Disposal and recapture of Freon
Water dispenser
Limit Amount: $500.00
Covered:
- Water dispenser water line
ShieldPlatinum Plan
Level:
Platinum
Type:
Combo
$1080
$100
$1,000 - $6,000
90%
Details
Level:
Platinum
Type:
Combo
Deductible
$100
Limit
$1,000 - $6,000
Premium(Year)
$1080
Coverage
90%
Details
Included in this coverage plan
Air conditioner
Limit Amount: $1500.00
Covered:
- Ducted central electric split and package units
- Geothermal
- Wall air conditioners
- Mini-splits
- Plenums
- Dampers
- Damper-only controls
- Leaks or breaks in ductwork (sheet metal, duct board, and flex duct including vapor barrier) from heating and/or air conditioning unit(s) including registers or grills
Not Covered:
- Outside or underground piping, well pump, and well pump components for geothermal and/or water source heat pump
- Window units
- Water towers
- Chillers
- Chiller components
- Water lines
- Legally mandated diagnostic testing when replacing heating or cooling equipment
Heating system
Limit Amount: $1500.00
Covered:
- Forced air (gas, electric, oil)
- Geothermal
- Wall mounted heaters
- Floor furnaces
- Package units
- Heat pumps
- Hot water or steam circulating heat
- Electric baseboard
- Room heaters
- Cable heat (if it's the main source of heat to your home or room)
- Plenums
- Dampers
- Damper-only controls
- Leaks or breaks in ductwork (sheet metal, duct board, and flex duct including vapor barrier) from heating and/or air conditioning unit(s), including registers or grills
Not Covered:
- Outside or underground piping, well pump, and well pump components for geothermal and/or water source heat pump
- Fuel storage tanks
- Portable units
- Fireplace grain, pellet, or wood heating units (even if it's the only source of heating)
- Legally mandated diagnostic testing when replacing heating or cooling equipment.
Electrical
Limit Amount: $1000.00
Covered:
- Direct Current (D.C.) wiring
- Lighting fixtures
- Built-in exhaust/vent/attic fans
Not Covered:
- Audio/Video/Computer/Intercom/Alarm or Security Wiring or Cable
- Telephone wiring
- Face plates
Ceiling fan
Limit Amount: Unknown
Covered:
- Our warranties cover all of the parts and components of ceiling fans.
Doorbell
Limit Amount: Unknown
Covered:
- All components and parts
Not Covered:
- When part of the intercom system
Alarm
Limit Amount: Unknown
Covered:
- Battery operated and hardwired units
Plumbing
Limit Amount: $1000.00
Covered:
- Water, drain, gas, waste or vent line leaks and breaks
- Toilets and related mechanisms
- Toilet wax ring seals
- Faucets
- Shower heads
- Shower arms
- Valves for shower, tub and diverter
- Angle stops
- Risers and gate valves (we use similar finishes and styles when we replacement is necessary)
- Hose bibs
- Basket strainers
- Permanently installed sump pumps (ground water only)
- Built-in bathtub whirlpool motor, pump, and air switch assemblies
- Pressure regulators
- Expansion tanks
- Sewage ejector pump (septic system sewage ejector pumps are not covered unless you purchase certain optional coverage.)
- Clearing sink, bathtub, shower, and toilet stoppages
- Clearing mainline drain and sewer stoppages through an accessible cleanout up to 100 feet from an access point
- Clearing lateral drain line stoppages up to 100 feet from an access point including accessible cleanout, p-trap, drain or overflow access points
Not Covered:
- Stoppages caused by collapsed, damaged or broken drain, vent or sewer lines outside your home's main foundation
- When your lines are broken, infiltrated or stopped by roots or foreign objects - even if they're within your home's main foundation
- Bathtubs
- Sinks
- Showers
- Shower enclosures and base pans
- Toilet lids and seats
- Jets
- Caulking or grouting
- Septic tanks
- Water filtration/purification system
- Holding or storage tanks
- Saunas or steam rooms
- Costs needed to locate or access cleanouts that can't be found or are inaccessible, or to install cleanouts
- Access through roof vents
Water heater
Limit Amount: $1500.00
Covered:
- All components and parts, including tankless water heaters and circulating pumps
Not Covered:
- Auxiliary holding or storage tanks
- Noise
- Fuel storage tank and energy conservation unit
Disposal
Limit Amount: $6000.00
Covered:
- All components and parts
Water dispenser
Limit Amount: $6000.00
Covered:
- All components and parts
Vacuum
Limit Amount: Unknown
Covered:
- All components and parts
- Central vacuums
Not Covered:
- Removable hoses and accessories
- Access and closing costs to floors, walls, and ceilings when locating or repairing a malfunction
Locksmith
Limit Amount: Unknown
Covered:
- Re-key up to 6 keyholes, including delivery of a total of 4 identical keys, on previously installed and properly functioning non-electronic door knobs and/or deadbolts for the hinged doors accessing the structural walls of your covered residential property
Not Covered:
- A separate trade service call fee applies for each unit of any covered multi-unit property
Refrigerator
Limit Amount: $6000.00
Covered:
- All components and parts
Not Covered:
- Free standing freezers
- Multi-media centers
- Wine chillers
Washer
Limit Amount: $6000.00
Covered:
- All components and parts
Dryer
Limit Amount: $6000.00
Covered:
- All components and parts
Oven
Limit Amount: $6000.00
Covered:
- All components and parts
- Ovens
- Cooktops
- Ranges
Dishwasher
Limit Amount: $6000.00
Covered:
- All components and parts
Microwave
Limit Amount: $6000.00
Covered:
- All components and parts
- Built-in Microwaves
Trash compactor
Limit Amount: $6000.00
Covered:
- All components and parts
Garage door
Limit Amount: $1000.00
Covered:
- All components and parts
Not Covered:
- Door or door track assemblies
Free-standing ice maker
Limit Amount: $3000.00
Covered:
- All components and parts
Food center
Limit Amount: $3000.00
Covered:
- All components and parts
Not Covered:
- Removable accessories
Plumbing stoppages
Limit Amount: $1000.00
Covered:
- Water, drain, gas, waste or vent line leaks and breaks
- Toilets and related mechanisms
- Toilet wax ring seals
- Faucets
- Shower heads
- Shower arms
- Valves for shower, tub and diverter
- Angle stops
- Risers and gate valves (we use similar finishes and styles when we replacement is necessary)
- Hose bibs
- Basket strainers
- Permanently installed sump pumps (ground water only)
- Built-in bathtub whirlpool motor, pump, and air switch assemblies
- Pressure regulators
- Expansion tanks
- Sewage ejector pump (septic system sewage ejector pumps are not covered unless you purchase certain optional coverage.)
- Clearing sink, bathtub, shower, and toilet stoppages
- Clearing mainline drain and sewer stoppages through an accessible cleanout up to 100 feet from an access point
- Clearing lateral drain line stoppages up to 100 feet from an access point including accessible cleanout, p-trap, drain or overflow access points
Not Covered:
- Stoppages caused by collapsed, damaged or broken drain, vent or sewer lines outside your home's main foundation
- When your lines are broken, infiltrated or stopped by roots or foreign objects - even if they're within your home's main foundation
- Bathtubs
- Sinks
- Showers
- Shower enclosures and base pans
- Toilet lids and seats
- Jets
- Caulking or grouting
- Septic tanks
- Water filtration/purification system
- Holding or storage tanks
- Saunas or steam rooms
- Costs needed to locate or access cleanouts that can't be found or are inaccessible, or to install cleanouts
- Access through roof vents
Ductwork
Limit Amount: $1000.00
Covered:
- Plenums
- Dampers
- Damper - only controls
- Leaks or breaks in ductwork (sheet metal, duct board, and flex duct including vapor barrier) from heating and/or air conditioning unit(s) including registers or grills.
Not Covered:
- Legally mandated diagnostic testing when replacing heating or cooling equipment
Toilet
Limit Amount: $1000.00
Covered:
- Toilets and related mechanisms
- Toilet wax ring seals
- Clearing sink, bathtub, shower, and toilet stoppages
Not Covered:
- Toilet lids and seats
Cooktop exhaust fan
Limit Amount: Unknown
Attic fans
Limit Amount: Unknown
Bath exhaust fan
Limit Amount: Unknown
Whole house fan
Limit Amount: Unknown
Roof leaks
Limit Amount: $1500.00
Covered:
- Patch or seal flashing
- Replacement of shingles or shakes
- Repair or replacement of tiles
- Repair of nail pops
- Seam repair on flat or rolled roof
- Repair of underlayment
- Repair of vinyl membrane
Not Covered:
- Clogged Gutters
- Roof mounted installations such as skylights or solar panels
- Condo or townhouse roofs
- Damage from hail, ice, mud, or wind
- Metal or green roofs
- Full roof replacements
- Roof-penetrating items such as skylights, vents, chimneys, cupolas, and exhaust lines.
- Roof Leak Repair coverage is not available in Hawaii!
Available for optional add-on
- + $252
- + $252
- + $120
-
+ $18 -
+ $18 - + $8.33
- + $4.17
Spa
Limit Amount: $3000.00
Covered:
- Pool sweep motor and pump
- Pump Motor
- Blower motor and timer
- Plumbing pipes and wiring
- Plumbing and electrical
Not Covered:
- Portable or above ground spas
- Access to pool and spa equipment
- Lights
- Liners
- Jets
- Ornamental Fountains, waterfalls and their pumping systems
- Auxiliary pumps
- Pool cover and related equipment
- Fill line and fill valves
- Built-in or detachable cleaning equipment including, without limitation, pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers
- Fuel storage tanks
- Disposal filtration mediums
- Heat Pump
- Multi-media centers
- Dehumidifiers
- Salt water generators and components
Pool
Limit Amount: $3000.00
Covered:
- Pool sweep motor and pump
- Pump Motor
- Blower motor and timer
- Plumbing pipes and wiring
- Plumbing and electrical
Not Covered:
- Portable or above ground spas
- Access to pool and spa equipment
- Lights
- Liners
- Jets
- Ornamental Fountains, waterfalls and their pumping systems
- Auxiliary pumps
- Pool cover and related equipment
- Fill line and fill valves
- Built-in or detachable cleaning equipment including, without limitation, pool sweeps, pop-up heads, turbo valves, skimmers, chlorinators, and ionizers
- Fuel storage tanks
- Disposal filtration mediums
- Heat Pump
- Multi-media centers
- Dehumidifiers
- Salt water generators and components
Roof leaks
Limit Amount: $1500.00
Covered:
- Patch or seal flashing
- Replacement of shingles or shakes
- Repair or replacement of tiles
- Repair of nail pops
- Seam repair on flat or rolled roof
- Repair of underlayment
- Repair of vinyl membrane
Not Covered:
- Clogged Gutters
- Roof mounted installations such as skylights or solar panels
- Condo or townhouse roofs
- Damage from hail, ice, mud, or wind
- Metal or green roofs
- Full roof replacements
- Roof-penetrating items such as skylights, vents, chimneys, cupolas, and exhaust lines.
- Roof Leak Repair coverage is not available in Hawaii!
PC
Limit Amount: $5000.00
Covered:
- Desktops, Laptops, Tablets
- Each PC can include one (1) of each of the following: an associated external monitor, keyboard (wired or wireless), mouse (wired or wireless), modem and external desktop speaker set (wired). PCs eligible for coverage under this Plan are those equipped with a Windows Operating System version Windows 7 or newer or Android version 1.6 or newer and Apple computers which are equipped with an Apple operating system version OS X (10) or newer
- Home Router (wired or wireless)
- External Hard Drive
- Printers and Multifunction Printers
- Gaming Systems
- DVD Player, Blu-Ray Player and portable DVD players
- Home Theater system
TV
Limit Amount: $5000.00
Covered:
- LCD, Plasma or LED televisions
- Gaming Systems
- DVD Player, Blu-Ray Player and portable DVD players
- Home Theater system
Well pump
Limit Amount: $1500.00
Covered:
- All components and part of well pump utilized as a source of water to the home
Not Covered:
- Above or underground piping, cable or electrical lines leading to or from the well pump, including those that are located within the well casing
- Well casings
- Pressure switches not located on the pump
- Holding, storage or pressure tanks
- Booster pumps
- Redrilling of wells
- Well pump and all well pump components for geothermal and/or water source heat pumps
Septic
Limit Amount: Unknown
Covered:
- Mainline stoppages that can be cleared through an existing access or clean out without excavation
- The septic tank will be pumped once during the contract coverage term if the stoppage is due to septic backup
- Sewage ejector pump for septic system only
Not Covered:
- Broken or collapsed sewer lines outside the foundation
- Stoppages or roots that prevent the effective use of any externally applied sewer machine cable
- Cost of finding or gaining access to the septic tank or sewer hook-ups
- Disposal of waste
- Chemical treatment of the septic tank and/or sewer lines
- Tanks
- Leach lines
- Cesspool
- Any mechanical pump or systems
Platinum Care plan
Level:
Platinum
Type:
Combo
$675
$60
$500 - $2,000
68%
Details
Level:
Platinum
Type:
Combo
Deductible
$60
Limit
$500 - $2,000
Premium(Year)
$675
Coverage
68%
Details
Included in this coverage plan
Air conditioner
Limit Amount: $2000.00
Covered:
- Condensor
- Fan motors
- Compressors
- Condensers
- Thermostats
- Capacitors relays
- Contactors
- Pressure switch
- Thermistor
- Cut in switches
- Transformers
- Start Assist
- Defrost boards
- Blower motors
Not Covered:
- Window
- Wall
- Portable air conditioning units
- Freon
- Geothermal systems
- Air filtration systems
- Humidifiers
- Condensation leaks
- Mismatched systems
- Freon leaks
- Damage caused by freon leak
Heating system
Limit Amount: $2000.00
Covered:
- Primary heating system of the covered home
- Condensor Fan motors
- Compressors
- Condensers
- Thermostats
- Capacitors
- Relays
- Contactors
- Pressure switch
- Thermistor
- Cut in switches
- Transformers
- Inducer motors
- Defrost boards
- Blower motors
- Heating elements
- Igniters
- Ignition modules
- Burner assembly
- Pressure switches
- Thermocouple
Not Covered:
- Solar heating systems
- Zone systems
- Wall units or the components
- Air cleaners
- Humidifiers
- Flues
- Coils
- Heat exchanger
- Geothermal heating/cooling units
Ductwork
Limit Amount: $500.00
Covered:
- All ducts from heating and/or cooling unit to the point of attachment at registers or grills
Not Covered:
- Crushed ductwork
- Improperly sized ductwork/duct system
Water heater
Limit Amount: $2000.00
Covered:
- All modules, components and parts of the water heater necessary to the functionality of the water heater
- Control board
- Thermostats
- Gas valves
- Burner assembly
- Heating elements
- Pressure switches
- Thermocouple
- Ignition module
- Igniter
Not Covered:
- Solar or tankless water heating systems
- Leaks
- Pumps
Plumbing
Limit Amount: $500.00
Covered:
- Line leaks in water, drain, waste or vent lines not caused by damage resulting from freezing or from roots
- Line breaks in water, drain, waste or vent lines not caused by damage resulting from freezing or from roots
- Toilet bowls
- Toilet tanks
- Toilet flushing mechanisms
- Angle stops
- Risers
Not Covered:
- Water softeners
- Slab leaks
- Polybutylene pipes.
Plumbing stoppages
Limit Amount: $500.00
Covered:
- Stoppages in drain, vent and sewer lines up to 100 feet from access point, except if caused by roots
Not Covered:
- Stoppages caused by collapsed, damaged or broken drain, vent or sewer lines outside the confines of the main foundation if the home
- Stoppages due to roots or foreign objects
- If the lines are broken or infiltrated by roots or are otherwise stopped by roots, even if the break, infiltration or stoppage is within 100 feet from the access point, it is not covered
- Access to drain or sewer lines from the vent or the removal of the water closet
- Costs to locate, access or install a ground level clean out
- Septic tanks.
Refrigerator
Limit Amount: $500.00
Covered:
- All modules, components and parts of the refrigerator necessary to the functionality of the refrigerator
- Control boards
- Compressor
- Thermostats
- Damper control
- Wire harness
- Evaporator fan motor
- Condenser fan motors
- Pressure switches
- Relays
- Contactors
- Start assist
- Thermistors
Not Covered:
- Sealed system
Ceiling fan
Limit Amount: $500.00
Covered:
- All modules, components and parts of ceiling fan affixed in the covered home necessary to its functionality
Not Covered:
- Lights
Dryer
Limit Amount: $500.00
Covered:
- All modules, components and parts of the clothes washer and clothes dryer necessary to the functionality of the clothes washer and clothes dryer
- Motors
- Drain pumps
- Control boards
- Gas vales
- Heating elements
- Igniters
- Thermostats
- Fuses
- Wire harness
- Ignition modules
- Tub assembly
- Tub bearings
- Motor bearings
Washer
Limit Amount: $500.00
Covered:
- All modules, components and parts of the clothes washer and clothes dryer necessary to the functionality of the clothes washer and clothes dryer
- Motors
- Drain pumps
- Control boards
- Gas vales
- Heating elements
- Igniters
- Thermostats
- Fuses
- Wire harness
- Ignition modules
- Tub assembly
- Tub bearings
- Motor bearings
Dishwasher
Limit Amount: $500.00
Covered:
- All modules, components and parts of the dishwasher necessary to the functionality of the dishwasher
- Control board
- Pump
- Switches
- Drain pump
- Temp control
- Heating elements
- Drain lines
Not Covered:
- Racks/rollers
Microwave
Limit Amount: $500.00
Covered:
- All modules, components and parts of the built-in microwave necessary to the functionality of the built-in microwave
Not Covered:
- Portable,combo or countertop microwaves.
Garage door
Limit Amount: $500.00
Covered:
- Control board
- Motors
- Chains
- Belts
- Gears
- Pulley
- Sheave fork
- Axle bolts
- Switches
Not Covered:
- Garage doors
- Springs
- Brackets
- Tracks
- Rails
Electrical
Limit Amount: Unknown
Covered:
- Wiring
- Service panels
- Sub-panels
- Switches
- Breakers
- Outlets
- Junction boxes
- Ground fault interrupters
Not Covered:
- Damage to the electrical system caused by flood, fire, water, rust
- Fixtures
- Inadequate wiring capacity
- Attic/exhaust fans
- Damage caused by a power surge
- Damage caused by a power failure
- Wire tracing
Disposal
Limit Amount: $500.00
Covered:
- All modules, components and parts of the garbage disposal necessary to the functionality of the garbage disposal
Oven
Limit Amount: $500.00
Covered:
- Burners
- Control boards
- Thermostats
- Broilers
- Temp controls
- Heating elements
- Igniter
- Ignition module
- Spark igniters
Not Covered:
- Range hood
Available for optional add-on
- + $99.95
- + $69.99
- + $69.99
- + $69.99
- + $39.99
- + $39.99
- + $39.99
- + $39.99
- + $0
Pool
Limit Amount: $400.00
Covered:
- Pumping system
- Filtration system
- Heating system
Not Covered:
- Portable pools, spas or hot tubs
- Computerized control boards
- Heat pumps
- Leaks
Septic
Limit Amount: $400.00
Covered:
- Aerobic pump
- Sewage ejector
- Jet pump
- Septic tank
Not Covered:
- Tile fields and leach beds
- Leach lines
- Lateral lines
- Insufficient capacity
- Clean out
- Pumping
Spa
Limit Amount: $400.00
Covered:
- Pumping system
- Filtration system
- Heating system
Not Covered:
- Portable pools, spas or hot tubs
- Computerized control boards
- Heat pumps
- Leaks
Sprinkler
Limit Amount: $400.00
Covered:
- All mechanical components that affect operation
Not Covered:
- Lack of water pressure
- Damage due to freezing, heads
Stand-alone freezer
Limit Amount: $400.00
Covered:
- Control boards
- Compressor
- Thermostats
- Damper control
- Wire harness
- Evaporator fan motor
- Condenser fan motors
- Pressure switches
- Relays
- Contactors Start assist
- Thermistors
Not Covered:
- Sealed system
Vacuum
Limit Amount: $400.00
Covered:
- All modules, components and parts of central vacuum system necessary to its functionality
Not Covered:
- Clogged pipes
Well pump
Limit Amount: $400.00
Covered:
- All components of well pump, provided the well is the primary water source to the covered home
Not Covered:
- Holding and storage tanks
- Piping or electrical lines
- Booster pumps
Sump pump
Limit Amount: $400.00
Covered:
- All components of sump pump for ground water, provided the pump is within the foundation of the covered home
Not Covered:
- Portable pumps
- Sewer ejector pumps
Roof leaks
Limit Amount: $400.00
Covered:
- Roof leaks only
Not Covered:
- Patios
- Metal roofs
- Shingles
- Cracked and/or missing material
- Tiles
- Tar and gravel
- Flat or built-up roofs
- Structural leaks
- Gutters
- Downspouts
- Skylights
- Flashing
- Solar components
- Attic vents
- Satellite components
- Antennae
- Chimney components.
Systems Plan
Level:
Silver
Type:
Systems
$481
$75
$250 - $2,000
27%
Details
Level:
Silver
Type:
Systems
Deductible
$75
Limit
$250 - $2,000
Premium(Year)
$481
Coverage
27%
Details
Included in this coverage plan
Water heater
Limit Amount: $1000.00
Covered:
- Gas Valve.
- Main Burner.
- Pilot Burner.
- Thermocouple.
- Regulator.
- Standard Thermostat.
- High Limit Thermostat.
- Manifold.
- Electrical Heating Element.
- Spark Electrode.
- Igniter.
- Pilot.
- Heating Element.
- Switch.
- Gas Burner.
- Anode Rod.
- Overload Protector.
- Flame Sensor.
- Gas Valve Assembly.
- Temperature.
- Regulator.
- Dip Tube.
- Drain Valve.
- Air Diverter.
- Relay.
- Flow Sensor.
Not Covered:
- Main, Holding or Storage Tanks.
- Noise.
- Sediment.
- Fuel Storage Tank and Energy Conservation Unit.
- Commercial Grade equipment and units exceeding 75 gallons.
- Tankless Water.
- Heaters unless separately added to Membership at the time of purchase.
Air conditioner
Limit Amount: $2000.00
Covered:
- Electric Units below 21 SEER.
- Condenser.
- Defrost Heating Element.
- Standard Thermostat Fuse.
- Relay.
- Transformer.
- Blower Motor.
- Compressor.
- Capacitor.
- Dual Capacitor.
- Semi Conductors.
- Main Control Board.
- Evaporator Coil.
- Cold Coil.
- Timer.
- Fan Control.
- Bearings.
- Fluid Pump.
- Electrodes Electronic Circuits.
- Rectifiers.
Not Covered:
- Gas Air Conditioning Systems.
- Condenser Casings.
- Registers and Grills.
- Filters.
- Electronic Air Cleaners.
- Window Units.
- Non-Ducted Wall Units.
- Water Towers.
- Humidifiers.
- Improperly Sized Units.
- Chillers.
- All Exterior Condensing, Cooling and Pump Pads.
- Roof Mounts, Jacks, Stands or Supports.
- Condensate Pumps.
- Cost for Crane Rentals.
- Air Conditioning with Mismatched Condensing Unit and Evaporator Coil.
- Improper use of Metering Devices.
- Thermal Expansion Valves.
- Refrigerant Conversion.
- Leak Detections.
- Water Leaks.
- Drain Line Stoppages.
- Maintenance.
- Recapturing of Freon.
- Noise.
- Addition of Freon on Pre-Existing Failure
- *Per EPA standards Freon (R-22) will become obsolete circa.
- January 1, 2020. When Freon (R-22) is phased out, it will be the Member's responsibility to upgrade all equipment to Federal or State code to be covered. On Jan. 1, 2020, The R-22 phase out mandates that R-22 refrigerant will no longer be manufactured. At this point CRAST will only include coverage for equipment which utilizes environmentally friendly R-410A refrigerant.
Heating system
Limit Amount: $2000.00
Covered:
- Units below 21 SEER Units.
- Forced air, Ducted Built-in-heater, Heat pumps, Boiler (Gas or Steam).
- Power Switch-Wire Terminal-Independent Solenoid-Junction Box- Thermostat Control.
- Pilot and Thermocouple.
- Drain Cock.
- Burners.
- Main Burner.
- Limit Control.
- Pilot Burner.
- Flame Spreader Regulator.
- Standard Thermostat.
- Manifold.
- Fuse.
- Transformer.
- Relay.
- Igniter.
- Sensor.
- Blower Motor Power Pack.
- Bearings.
- Pulleys.
- Fan Control.
- Low Water Cut off.
- Coupler.
- Motor.
- Pressure Gauge.
- Pressure Control.
- Heat Coil/Element.
- Control Board.
Not Covered:
- External Boiler Components.
- All Components and Parts relating to Geothermal, Water Source Heat Pumps including: Outside or Underground Piping.
- Components for Geothermal and/or Water Source Heat Pumps.
- Re-drilling of Wells for Geothermal and/or Water Source Heat Pumps.
- Well Pump.
- Well Pump Components for Geothermal and/or Water Source Heat Pumps.
- Access.
- Radiators or Valves.
- Baseboard Casings.
- Radiant Heating.
- Cracked Heat Exchangers.
- Dampers.
- Valves.
- Fuel Storage Tanks.
- Portable Units.
- Solar Heating Systems.
- Filters.
- Line Dryers and Filters.
- Oil Filters, Nozzles, or Strainers.
- Registers.
- Backflow Preventers.
- Evaporator Coil Pan.
- Primary or Secondary Drain Pans.
- Grills.
- Clocks.
- Timers.
- Add-Ons for Zoned Systems.
- Heat Lamps.
- Humidifiers.
- Flues and Vents.
- Improperly Sized Heating Systems.
- Mismatched Systems Cable Heat (in ceiling).
- Calcium Build-Up.
- Maintenance.
Electrical
Limit Amount: $500.00
Covered:
- Interior Wiring.
- Panel and Sub Panels.
- Circuit Board.
- Circuit Breakers.
Not Covered:
- Audio/Video/Computer/Intercom/Alarm or Security Wiring Cable.
- Circuit Overload.
- Low Voltage.
- Inadequate Wiring.
- Aluminum Wiring.
- Broken and/or Severed Wires.
- Fixtures.
- Switches.
- Outlets.
- Wire Tracing.
- Smart Home Equipment or Wiring.
Plumbing
Limit Amount: $500.00
Covered:
- Visible Interior Leaks and Breaks of Water Supply Pipes, Drain, Vent and Waste Lines.
- Dishwasher Supply Line.
- Toilet Tanks/Bowls (replaced with white Builder's Grade as necessary).
- Toilet Wax Ring Seals.
- Flush Valve.
- Refill Tube.
- Ballcock.
- Flapper.
- Fill Valve.
- Overflow Tube, and Diverter Angle Stops.
- Hose Bibs.
- P Traps.
Not Covered:
- Piping Failure which includes Collapsed Piping.
- Freezing or Damage from Roots.
- Slab Leaks.
- Polybutylene or Quest Piping.
- Galvanized Drain Lines.
- Drum Traps.
- Flange.
- Filters for Faucets.
- Fixtures.
- Cartridges.
- Shower Heads & Shower Arms.
- Valves.
- Pop-Up Assemblies.
- Bathtubs and Showers.
- Glass.
- Shower Enclosures and Base Pans.
- Bathtubs.
- Sinks.
- Toilet Lids and Seats.
- Cracks.
- Cabling or Grouting.
- Whirlpool Jets.
- Whirlpool Control Panel.
- Water Softeners.
- Pressure Regulators.
- Inadequate or Excessive Water Pressure.
- Pipes which have failed due to excessive age.
- Stoppages (unless added on).
- Leak Searches.
- Faucets (unless added on).
- BuiltIn Appliances.
- Cabinets.
- Floor Coverings.
- Other Obstructions impeding access to Walls, Ceilings, and/or Floors.
- Stoppages (unless added on).
- Leak Searches.
- Faucets (unless added on).
Ductwork
Limit Amount: $250.00
Covered:
- All Standard Ductwork throughout the Residence. Attachments to HVAC Units.
Not Covered:
- Ductwork exposed to Outside Elements.
- Improperly Sized Ductwork.
- Separation due to Settlement and/or lack of Support-Cleaning.
Available for optional add-on
- + $150
- + $150
- + $150
-
+ $75 - + $50
- + $50
- + $30
- + $25
- + $25
- + $25
- + $25
-
+ $25 -
+ $20 -
+ $20 -
+ $20
Pool
Limit Amount: $500.00
Covered:
- Shared Equipment is covered. If Equipment is not shared, then only one of the two is covered unless an additional fee is paid.
- Coverage applies to In-Ground.
- Accessible working Components and Parts of the Pumping System.
- Main Pool Pump.
- Motor.
- Gaskets.
- Blower.
- Timer.
- Valves, Limited to Back Flush.
- Actuator.
- Check, and 2 and 3-Way Valves.
- Relays and Switches.
- Pool Sweep Motor and Pump.
- Above Ground Plumbing Pipes and Wiring.
Not Covered:
- Pool/Spa Heater.
- Filters.
- Salt Water Filtration/Osmosis.
- Salt Water ComponentsControl Panels and Electronic Boards.
- Lights.
- Liners.
- Maintenance.
- Housing and related equipment.
- Structural Defects.
- Booster Pumps
- Inadequate Pressure.
- Solar Equipment.
- Jets.
- Ornamental Fountains, Waterfalls and their Pumping Systems.
Spa
Limit Amount: $500.00
Covered:
- Shared Equipment is covered. If Equipment is not shared, then only one of the two is covered unless an additional fee is paid.
- Coverage applies to In-Ground.
- Accessible working Components and Parts of the Pumping System.
- Main Pool Pump.
- Motor.
- Gaskets.
- Blower.
- Timer.
- Valves, Limited to Back Flush.
- Actuator.
- Check, and 2 and 3-Way Valves.
- Relays and Switches.
- Pool Sweep Motor and Pump.
- Above Ground Plumbing Pipes and Wiring.
Not Covered:
- Pool/Spa Heater.
- Filters.
- Salt Water Filtration/Osmosis.
- Salt Water ComponentsControl Panels and Electronic Boards.
- Lights.
- Liners.
- Maintenance.
- Housing and related equipment.
- Structural Defects.
- Booster Pumps
- Inadequate Pressure.
- Solar Equipment.
- Jets.
- Ornamental Fountains, Waterfalls and their Pumping Systems.
Saltwater pool
Limit Amount: $500.00
Covered:
- Shared Equipment is covered. If Equipment is not shared, then only one of the two is covered unless an additional fee is paid.
- Coverage applies to In-Ground.
- Accessible working Components and Parts of the Pumping System.
- Main Pool Pump.
- Motor.
- Gaskets.
- Blower.
- Timer.
- Valves, Limited to Back Flush.
- Actuator.
- Check, and 2 and 3-Way Valves.
- Relays and Switches.
- Pool Sweep Motor and Pump.
- Above Ground Plumbing Pipes and Wiring.
Not Covered:
- Pool/Spa Heater.
- Filters.
- Salt Water Filtration/Osmosis.
- Salt Water ComponentsControl Panels and Electronic Boards.
- Lights.
- Liners.
- Maintenance.
- Housing and related equipment.
- Structural Defects.
- Booster Pumps
- Inadequate Pressure.
- Solar Equipment.
- Jets.
- Ornamental Fountains, Waterfalls and their Pumping Systems.
Water heater
Limit Amount: $1000.00
Covered:
- Heat Exchanger
- Computer Boards
- Sensors
Not Covered:
- Timeliness of Hot Water
- Thermostat
- Insufficient Sized Unit for Home
- Piping
- Valves (Gas only)
- Maintenance
Well pump
Limit Amount: $500.00
Covered:
- Pump.
- Drive Coupling and Cap.
- Air Volume Control.
- Flow Kit Control.
- Foot Valves.
- Torque Arrestor.
Not Covered:
- Holding or Storage Tanks.
- Digging.
- Locating Pump.
- Pump Retrieval.
- Re-drilling of Wells.
- Well Casings.
- Pressure Tanks.
- Pressure Switches and Gauges.
- Check Valve.
- Relief Valve.
- Drop Pipe.
- Piping or Electrical Lines Leading to or connecting Pressure Tank and Main Dwelling including wiring from Control Box to the Pump.
- Booster Pumps.
- Well Pump and Well Pump Components for Geothermal and/or Water Source Heat Pumps.
Septic
Limit Amount: Unknown
Covered:
- Sewage Ejector Pump.
- Jet Pump.
- Aerobic Pump.
- Septic Tank and Line from House.
Sump pump
Limit Amount: $500.00
Covered:
- Permanently installed Sump Pump for Groundwater, within the foundation of the Home or
- Attached Garage
Not Covered:
- Grey Water.
- Sewage Ejector Pumps.
- Portable Pumps.
- Backflow Preventers.
- Check Valves.
- Piping Modifications for new installs.
Vacuum
Limit Amount: $200.00
Covered:
- All Mechanical System Components and Parts.
Not Covered:
- Ductwork.
- Hoses.
- Access and Closing to Floors, Walls, and Ceiling when locating or repairing a Malfunction.
- Blockages.
- Accessories.
Refrigerator
Limit Amount: Unknown
Covered:
- All Parts and Components that affect the operation of the unit.
Stand-alone freezer
Limit Amount: $500.00
Covered:
- All Parts and Components that affect the operation of the unit.
Not Covered:
- Ice-Makers, Crushers, Dispensers, and related Equipment.
- Internal Shell.
- Racks.
- Shelves.
- Glass Displays.
- Lights.
- Knobs and Caps.
- Dials.
- Door Seals and Gaskets.
- Door Hinges.
- Door Handles.
- Condensation Pans.
- Clogged Drains and Clogged Lines.
- Grates.
- Food Spoilage.
- Freon.
- Disposal and Recapture of Freon.
Water dispenser
Limit Amount: $200.00
Covered:
- All Components and Parts
Not Covered:
- Leaks or Breaks of any kind
- Rust
- Mold
- Corrosion
Refrigerator ice maker
Limit Amount: $500.00
Covered:
- All Components and Parts which affect the primary function of the Ice-Maker
Not Covered:
- Touch Panel/Display
- Dispenser
- Ice Crusher
- Removable Parts
- Water Lines
- Leaks
- Filters
- Interior Thermal Shelves/Insulation
Dryer
Limit Amount: Unknown
Covered:
- Main Control Board
- Thermal Fuse
- Drum Glide
- Gas Valve Solenoid
- Pilot burner
- Heating Element
- Heating Element Assembly
- Bearing
- Cycling Thermostat
- Timer
- Drum Support Axle
- Drum Bearing
- Igniter
- Drive Belt
- Thermistor
- Idler Pulley
- Idler Assembly
- High Limit Thermostat
- Surface Limit Control
- Power Pack
- Blower Wheel
- Flame Sensor
- Drive Motor
- Rotary Switch
- Snap Retaining Ring
Not Covered:
- Drum
- Seals
- Gaskets
- Maintenance
Washer
Limit Amount: Unknown
Covered:
- Main Control Board
- Motor Coupling
- Drain Pump
- Agitator Repair Kit
- Spanner WrenchWater Inlet Valve
- Clutch
- Retainer
- Shock Dampening Device
- Shock Absorber
- Wigwag
- Drive BeltSuspension Spring
- Shipping Bolt
- Tub to Pump Hose
- Tub Bearing
- Idler Assembly
- Drive Block
- Drive Bell
- Drain Hose
- Mounting Clip
- Suspension Rod
- Suspension Spring
- Shift Actuator
- Rotor Position Sensor
- Belt Kit
- Snubber Pad
Not Covered:
- Tub
- Seals
- Gaskets
- Spider Bracket
- Lid Switch
- Overloading
Oven
Limit Amount: $1500.00
Covered:
- Bake Element
- Element Receptacle and Wire Kit
- Valves
- Sensors
- Spark Electrode
- Surface
- Element Switch
- Coil Surface Element
- Surface Burner
- Element Receptacle and Wire Kit
- Oven Control
- Board
- Temperature Sensor
- Manifold Transformer
- Sensor
- Diode
Not Covered:
- Any failure that arises during the “Self-Cleaning” Function of your unit
- Glass
What is a Home Warranty?
A home warranty is a protection plan for your home systems and appliances. “Systems” refers to things like your house’s electrical, plumbing and HVAC, while appliances are things like your refrigerator, dishwasher and range.
You pay your home warranty provider a monthly or annual fee, and in exchange, the warranty company agrees to help pay to repair or replace your system or appliance when it breaks. In most cases, the home warranty provider will send a technician to your home to complete the job for you.
As you shop for a home warranty plan, there are three big categories that separate one plan from another. Price is important, but it’s nearly impossible to compare plans without keeping these three areas in mind.
- Coverage caps. Home warranty coverage is typically not unlimited. There’s a maximum amount your provider will pay to repair or replace a single item – a total known as the coverage cap. You’re responsible for paying the difference between the total cost of the repair or replacement and your coverage cap. Higher coverage caps mean more protection for your wallet and more peace of mind as you make your budget. Coverage caps can range anywhere from $500 to $7,000 for different items in your plan.
- Service fee. Each time you file a claim with your home warranty, you’ll need to pay a fee to have a technician sent to your home. These fees typically range between $60 and $150. Some providers will give you the option to choose a service fee, though lower fees typically result in higher monthly prices.
- Coverage features. This refers to the actual list of systems and home appliances your plan covers. For instance, your plan could cover your refrigerator but not your ice maker, or the heating system but not the electrical.
It’s this last category that we’ll dive into through this article.
Home Warranties vs. Homeowners Insurance
Another crucial thing to keep in mind is the difference between a home warranty and homeowners insurance. While they sound similar, they’re actually very different.
Your homeowners insurance primarily protects your home against damage from natural disasters and sudden catastrophes like house fires and break-ins. It also covers you against certain lawsuits, like if somebody were to be injured while visiting your home. If you have a mortgage, your lender likely requires you to carry a homeowners insurance policy to protect your investment.
A home warranty, on the other hand, deals with problems caused by normal wear and tear. Together, they offer protection for most repair issues your house could face. A home insurance policy does not care if your microwave stops working, but your home warranty does. And your home warranty policy can’t do anything if a hurricane or windstorm damages your house, but your homeowners insurance policy will.
Home warranty | Homeowners insurance |
Optional | Required |
Requires you to pay a service fee | Requires you to pay a deductible |
Pays for damage caused by normal wear and tear | for damage caused by natural disasters and sudden catastrophes |
Covers household appliances and systems | Covers the structure of the home and personal effects inside it |
Costs $300 to $1,000 a year on average | Costs $1,200 to $3,000 per year on average |
Not considered an insurance product, or associated with insurance providers | Insurance policy that can be bundled with other products |