Home Warranty Coverage: How does it Work?
Home warranty coverage is one of the most important aspects homeowners are interested in when they decide to buy a warranty for their house. Whether you are one of those homeowners who looks for basic 1 year home warranty coverage or who prefers to insure as many home systems and appliances as possible, you still need to learn what is a home warranty and what it covers before you sign a contract in order to avoid unpleasant surprises later.
Read through this guide carefully and educate yourself before committing into a home warranty contract. The difference between two different home warranty plans could be night and day. To put things in perspective, one home warranty plan could be covering less than 5 home systems and appliances, with $500 coverage limits, while the other plan would cover dozens of systems and appliances with coverage limits of $5,000 per item. There is a lot more to factor into your decision like the costs and the reliability of companies, but the coverage is a great place to start in.
Best Home Warranty Companies by Coverage for 2020
Company
Plan
Premium (Year)
Deductible
Limit
Coverage
Get free quote
Company
Plan
Rating
Total Plan
Level:
Platinum
Type:
Combo
$580
$85
$500 - $1,500
74%
Details
Level:
Platinum
Type:
Combo
Deductible
$85
Limit
$500 - $1,500
Premium(Year)
$580
Coverage
74%
Details
Included in this coverage plan
Air conditioner
Limit Amount: Unknown
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: $1500.00
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: Unknown
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: 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
- Wine coolers or mini refrigerators
- Food spoilage
- Doors
- Door seals and gaskets
- Hinges
- Glass
- Audio/Visual equipment and internet connection components
Oven
Limit Amount: Unknown
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: Unknown
Covered:
- All components and parts
Not Covered:
- Racks
- Baskets
- Rollers
- Hinges
- Handles
- Doors
- Door gaskets
- Damage caused by broken glass
- Cleaning
Microwave
Limit Amount: Unknown
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: Unknown
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: Unknown
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: Unknown
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: Unknown
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: Unknown
Covered:
- Motors
- Switches
- Controls
- Bearings
Not Covered:
- Fans
- Blades
- Belts
- Shutters
- Filters
- Lighting
Cooktop exhaust fan
Limit Amount: Unknown
Covered:
- Motors
- Switches
- Controls
- Bearings
Not Covered:
- Fans
- Blades
- Belts
- Shutters
- Filters
- Lighting
Plumbing stoppages
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
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: Unknown
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: $200.00
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
Combo Plan
Level:
Type:
Combo
$720
$75
$1,000 - $3,000
83%
Details
Level:
Type:
Combo
Deductible
$75
Limit
$1,000 - $3,000
Premium(Year)
$720
Coverage
83%
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: Unknown
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: Unknown
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: Unknown
Covered:
- All components and parts
Water dispenser
Limit Amount: Unknown
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: $3000.00
Covered:
- All components and parts
Not Covered:
- Free standing freezers
- Multi-media centers
- Wine chillers
Washer
Limit Amount: $3000.00
Covered:
- All components and parts
Dryer
Limit Amount: $3000.00
Covered:
- All components and parts
Oven
Limit Amount: $3000.00
Covered:
- All components and parts
- Ovens
- Cooktops
- Ranges
Dishwasher
Limit Amount: $3000.00
Covered:
- All components and parts
Microwave
Limit Amount: $3000.00
Covered:
- All components and parts
- Built-in Microwaves
Trash compactor
Limit Amount: $3000.00
Covered:
- All components and parts
Garage door
Limit Amount: $3000.00
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: $1500.00
Toilet
Limit Amount: Unknown
Covered:
- Toilets and related mechanisms
- Toilet wax ring seals
- Clearing sink, bathtub, shower, and toilet stoppages
Not Covered:
- Toilet lids and seats
Available for optional add-on
- + $255
- + $255
-
+ $240 -
+ $240 - + $100
- + $50
Spa
Limit Amount: Unknown
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: Unknown
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
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
$650
$60
$500 - $2,000
68%
Details
Level:
Platinum
Type:
Combo
Deductible
$60
Limit
$500 - $2,000
Premium(Year)
$650
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 - + $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
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.
Complete Home Plan
Level:
Platinum
Type:
Combo
$600
$150
$1,000 - $2,000
93%
Details
Level:
Platinum
Type:
Combo
Deductible
$150
Limit
$1,000 - $2,000
Premium(Year)
$600
Coverage
93%
Details
Included in this coverage plan
Dryer
Limit Amount: $2000.00
Covered:
- All components and parts
Washer
Limit Amount: $2000.00
Covered:
- All components and parts
Oven
Limit Amount: $2000.00
Covered:
- All components and parts including range exhaust hoods located above the range
Dishwasher
Limit Amount: $2000.00
Covered:
- All components and parts
Food center
Limit Amount: $2000.00
Covered:
- All components and parts
Free-standing ice maker
Limit Amount: $2000.00
Covered:
- All components and parts
Microwave
Limit Amount: $2000.00
Covered:
- All components and parts
Refrigerator
Limit Amount: $2000.00
Covered:
- All components and parts
Not Covered:
- Free standing freezer
- Multi-media centers built into appliances
- Wine chillers and consumables.
Trash compactor
Limit Amount: $2000.00
Covered:
- All components and parts
Air conditioner
Limit Amount: $1000.00
Covered:
- All components and parts of the following air conditioning system(s): ducted central electric split and package units, geothermal, wall air conditioners, mini-splits.
- CHS regard to ductwork, except as otherwise noted above, the following are 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:
- Outside or underground piping
- Well pump, and well pump components for geothermal and/or water source heat pump
- Interconnecting refrigerant lines (external of the equipment)
- Window units
- Water towers
- Chillers, chiller components
- Water lines and legally mandated diagnostic testing when replacing heating or cooling equipment
Attic fans
Limit Amount: Unknown
Covered:
- All components and parts
Ceiling fan
Limit Amount: Unknown
Covered:
- All components and parts
Vacuum
Limit Amount: Unknown
Covered:
- All components and parts
Not Covered:
- Removable hoses and accessories
- Access and closing costs to floors, walls, and ceilings when locating or repairing a malfunction
Doorbell
Limit Amount: Unknown
Covered:
- All components and parts
Not Covered:
- When part of the intercom or monitoring system
Electrical
Limit Amount: Unknown
Covered:
- All components and parts including Direct Current (D.C.) wiring, lighting fixtures, and built-in exhaust/vent/attic fans
Not Covered:
- Components wiring or cable of audio/video/computer/intercom/alarm/security wiring or telephone systems circuit overload; or overload protection and face plates
Garage door
Limit Amount: Unknown
Covered:
- All components and parts located inside the ceiling mounted electric motor of garage door openers
Not Covered:
- Door or door track assemblies
- Cables
- Springs
Disposal
Limit Amount: Unknown
Covered:
- All components and parts
Heating system
Limit Amount: $1500.00
Covered:
- All components and parts of the following heating system(s): forced air (gas, electric, oil), geothermal, wall mounted heaters, floor furnaces, package units, heat pumps, mini-splits, hot water or steam circulating heat, electric baseboard, cable heat (if main source of heat to the home or room)
- With regard to ductwork, except as otherwise noted above, the following are 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:
- Outside or underground piping
- Well pump, and well pump components for geothermal and/or water source heat pump
- Interconnecting refrigerant lines (external of the equipment)
- Fuel storage tanks
- Portable units
- Fireplace, grain, pellet, or wood heating units (even if only source of heating)
- Legally mandated diagnostic testing when replacing heating or cooling equipment
Water dispenser
Limit Amount: Unknown
Covered:
- All components and parts
Plumbing
Limit Amount: $1000.00
Covered:
- Leaks and breaks of water
- Drain, gas, waste or vent lines
- Toilets and related mechanisms
- Toilet wax ring seals
- Faucets
- Showerheads
- Shower arms
- Valves for shower
- Tub and diverter
- Angle stops
- Risers and gate valves (similar features of finish and style used when replacement is necessary)
- Hose bibs
- Basket strainers
- Permanently installed sump pumps (ground water only)
- Built-in bathtub whirlpool motors
- Pumps and air switch assemblies
- Pressure regulators
- Expansion tanks
- Sewage ejector pump (septic system sewage ejector pumps are not covered unless optional coverage is purchased)
- Clearing of sink
- Bathtub
- Shower and toilet stoppages
- Clearing of mainline drain and sewer stoppages through an accessible cleanout up to 100 feet from access point
- Clearing of lateral drain line stoppages up to 100 feet from access point including accessible cleanout
- Drain or overflow access points
Not Covered:
- Stoppages caused by collapsed
- Damaged or broken drain
- Vent or sewer lines outside the home’s main foundation
- Lines broken
- Infiltrated or stopped by roots or foreign objects
- Even if within the home,’s main foundation; costs to locate or access cleanouts not found or inaccessible or to install cleanouts
- Access through roof vents; any fees for photo/video equipment
- Hydro-jetting equipment
- Chemicals
- Jet or steam clearing; bathtubs
- Sinks
- Showers
- Shower enclosures and base pans
- Toilet lids and seats
- Jets
- Caulking or grouting
- Septic tanks
- Water softener
- Water filtration/purification systems completely home water filtration system
- Holding or storage tanks
- Saunas or steam rooms
Alarm
Limit Amount: Unknown
Covered:
- Battery operated and hardwired units
Sump pump
Limit Amount: Unknown
Covered:
- Permanently installed sump pumps (ground water only),
Water heater
Limit Amount: Unknown
Covered:
- All components and parts, including tankless water heaters and circulating pumps
Not Covered:
- Auxiliary holding or storage tanks, fuel storage tank or energy conservation unit(s)
Toilet
Limit Amount: Unknown
Covered:
- Toilets and related mechanisms
- Toilet wax ring seals
- Shower and toilet stoppages
Not Covered:
- Toilet lids and seats
Spa
Limit Amount: Unknown
Covered:
- Includes motors, pumps and air switch assemblies.
Ductwork
Limit Amount: $1500.00
Refrigerator ice maker
Limit Amount: $2000.00
Cooktop exhaust fan
Limit Amount: $2000.00
Covered:
- All components and parts including range exhaust hoods located
- above the range. A maximum of 2 units are covered per contract.
Bath exhaust fan
Limit Amount: $1000.00
Covered:
- All components and parts including Direct Current (D.C.) wiring,
- lighting fixtures, and built-in exhaust/vent/attic fans.
Not Covered:
- Components wiring or cable of
- audio/video/computer/intercom/alarm/security wiring or
- telephone systems circuit overload; or overload protection and
- face plates.
Whole house fan
Limit Amount: $1000.00
Covered:
- All components and parts including Direct Current (D.C.) wiring,
- lighting fixtures, and built-in exhaust/vent/attic fans.
Not Covered:
- Components wiring or cable of
- audio/video/computer/intercom/alarm/security wiring or
- telephone systems circuit overload; or overload protection and
- face plates.
Plumbing stoppages
Limit Amount: $2000.00
Covered:
- Clearing of sink, bathtub, shower, and toilet stoppages, clearing of mainline drain and sewer stoppages through an accessible cleanout up to 100 feet from access point, clearing of lateral drain line stoppages up to 100 feet from access point including accessible cleanout, ptrap, drain or overflow access points.
Not Covered:
- Stoppages caused by collapsed, damaged or broken drain, vent or sewer lines outside the home’s main foundation, lines broken, infiltrated or stopped by roots or foreign objects, even if within the home’s main foundation; costs to locate or access cleanouts not found or inaccessible, or to install cleanouts, and access through roof vents; any fees for photo/video equipment, hydro-jetting equipment, chemicals, jet or steam clearing; bathtubs, sinks, showers, shower enclosures and base pans, toilet lids and seats, jets, caulking or grouting, septic tanks, water softener, water filtration/purification systems whole home water filtration system, holding or storage tanks, saunas or steam rooms.
Septic tank pumping
Limit Amount: $1000.00
Covered:
- Mainline stoppages that can be cleared through an existing access or cleanout without excavation. The septic tank will be pumped one (1) time during the Agreement coverage term if the stoppage is due to septic back up. We will not pay more than $500 per pumping occurrence. If the septic tank needs to be replaced, we will not pay more than $1,000 towards the replacement of the septic tank. We will cover one (1) sewage ejector pump for septic system located within the perimeter of the main foundation.
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, and any mechanical pump or systems.
Available for optional add-on
- + $13.33
- + $13.33
- + $7.08
- + $2.50
Pool
Limit Amount: $1500.00
Covered:
- Above ground components and parts of the heating, pumping, and filtration system including:
- pool heater
- pool sweep motor and pump
- pump motor
- blower motor and timer
- plumbing pipes and wiring
Not Covered:
- Portable or aboveground 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
- Pool sweeps
- Pop-up heads
- Turbo valves
- Skimmers
- Chlorinators
- Ionizers
- Fuel storage tanks
- Disposable filtration mediums
- Heat pump
- Multi-media centers
- Dehumidifiers
- Panel box and dials
- Salt-water generator
- Salt and components
Spa
Limit Amount: $1500.00
Covered:
- Above ground components and parts of the heating, pumping, and filtration system including:
- pool heater
- pool sweep motor and pump
- pump motor
- blower motor and timer
- plumbing pipes and wiring
Not Covered:
- Portable or aboveground 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
- Ionizers
- Fuel storage tanks
- Disposable filtration mediums
- Heat pump
- Multi-media centers
- Dehumidifiers
- Panel box and dials
- Salt-water generator
- Salt and components
Well pump
Limit Amount: $1500.00
Covered:
- All components and parts 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
- Re-drilling of wells
- Well pump and all well pump components for geothermal and/or water source heat pumps
Septic
Limit Amount: $1000.00
Covered:
- Mainline stoppages that can be cleared through an existing access or cleanout without excavation
- The septic tank will be pumped one (1) time during the Agreement coverage term if the stoppage is due to septic back up
- CHS will cover one (1) sewage ejector pump for septic system located within the perimeter of the main foundation
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 Plan
Level:
Platinum
Type:
Combo
$624
$75
$400 - $500
72%
Details
Level:
Platinum
Type:
Combo
Deductible
$75
Limit
$400 - $500
Premium(Year)
$624
Coverage
72%
Details
Included in this coverage plan
Air conditioner
Limit Amount: Unknown
Covered:
- Mechanical parts and components of two (2) ducted electric central air conditioning systems.
- All components and parts for units below 13 SEER and/or R-22 equipment, and when we are unable to facilitate repair and/or replacement of failed covered equipment at the current SEER rating or with R-22 equipment, repair and/or replacement will be performed with 13 SEER/R410A equipment and/or 7.7 HSPF or higher compliant.
Not Covered:
- Filters.
- Filter driers.
- Condenser casings.
- Registers and grills.
- Water towers.
- Humidifiers.
- Chillers.
- Electronic air cleaners.
- Window units.
- Non-ducted wall units.
- Mini-split wall units.
- Gas air conditioning systems.
- Water evaporative coolers.
- Swamp coolers.
- Condensate pumps.
- Thermal expansion valves.
- All exterior condensing, cooling and pump pads.
- Disconnect boxes.
- Roof mounts.
- Jacks, stands or supports.
- Cost for crane rentals.
- Electronic, computerized, and manual systems management and zone controllers.
- Commercial grade equipment.
- Refrigerant conversion.
- Leak detections.
- Water leaks.
- Drain line stoppages or drain pans.
- Maintenance.
- Rusted and/or corroded coils.
- Component short to ground.
- Noise without a related mechanical failure.
- Improperly sized units.
- Air conditioning with mismatched condensing unit and evaporative coil per manufacturer specifications.
- Improper use of metering devices (i.e. thermal expansion valves).
- We are not responsible for the costs associated with matching dimensions, brand or color made.
- We will not pay for any modifications or upgrades necessitated by the repair of existing equipment or the installation of new equipment.
Heating system
Limit Amount: Unknown
Covered:
- Mechanical parts and components of two (2) systems.
- Hot water and steam heating system or centrally ducted forced air gas/electric/oil heating system or electric baseboard units, if providing the primary source of heat in dwelling, as follows: accessible ductwork from covered heating unit to point of attachment to register/grill.
- Blower fan motors.
- Burners.
- Controls.
- Fan blades.
- Heat/cool thermostats (programmable and electronic set back units will be replaced only with standard units).
- Heat exchangers.
- Heating elements.
- Ignitor and pilot assemblies.
- Internal system controls.
- Wiring.
- Relays.
- Motors (excludes dampers).
- Switches.
- Electric baseboard units are covered if they are the primary source of heating for the property.
Not Covered:
- Chimneys, flues, and liners.
- Cleaning and re-lighting of pilots.
- Concrete encased or inaccessible ductwork.
- Concrete encased or inaccessible steam or radiant heating coils or lines.
- Conditions of water flow restriction due to scale, rust, minerals and other deposits.
- Cracked heat exchangers.
- Rusted and/or corroded heat exchangers.
- Maintenance and cleaning.
- Calcium build-up.
- Evaporator coil pan.
- Primary or secondary drain pans.
- Fossil and dual fuel control systems and other energy management systems and controls.
- Dampers.
- Asbestos insulated ductwork or piping.
- Electric baseboard heat unless primary heating system in home.
- Filters (including electronic/electrostatic and de-ionizing filter systems).
- Fireplaces and their respective components and gas lines.
- Free-standing or portable heating units.
- Heat lamps.
- Pellet stoves.
- Fuel storage tanks, lines, and filters.
- Gas log systems, including gas feed lines.
- Valves.
- Key valves.
- Oil filters, nozzles, or strainers; humidifiers.
- Inaccessible water/steam lines leading to or from system.
- Backflow preventers.
- Individual space heaters.
- Panels and/or cabinetry.
- Radiant heating systems built into walls, floors or ceilings.
- Registers and grills.
- Secondary units.
- Solar heating devices and components.
- Maintenance.
- Noise without a related mechanical failure.
- Improperly sized heating systems.
- Mismatched systems.
- Structural components.
Refrigerator
Limit Amount: Unknown
Covered:
- All components and parts, including integral freezer unit
Not Covered:
- Racks.
- Shelves.
- Glass.
- Lighting.
- Handles.
- Doors, door seals, hinges, and gaskets.
- Freon; disposal and recapture of Freon.
- Ice makers, ice crushers, beverage dispensers and their respective equipment.
- Water lines and valve to ice maker.
- Line restrictions.
- Leaks of any kind.
- Maintenance.
- Interior thermal shells.
- Freezers which are not an integral part of the refrigerator.
- Wine chillers or mini refrigerators.
- Food spoilage.
- Noise without a related mechanical failure.
- Multi-media centers and internet connection components.
Washer
Limit Amount: Unknown
Covered:
- All components and parts
Not Covered:
- Soap dispensers.
- Removable minitubs.
- Filter screens.
- Knobs and dials.
- Doors, door seals and hinges.
- Glass.
- Leveling and balancing.
- Damage to clothing.
- Commercial units.
- Noise without a related mechanical failure.
- Conditions of water flow restriction due to scale, rust, minerals and other deposits.
Dryer
Limit Amount: Unknown
Covered:
- All components and parts
Not Covered:
- Venting.
- Lint screens.
- Knobs and dials.
- Doors, door seals, and hinges.
- Glass.
- Leveling and balancing.
- Noise without a related mechanical failure.
- Damage to clothing.
- Conditions of air flow restriction due to a lack of maintenance and/or clogged lint screens.
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 within the toilet tank (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 and/or clogs in drain and sewer lines up to 100 feet from access point. Repair and finish of any walls or ceilings where it is necessary to break through to effect repair is only covered to the following extent: repair of walls or ceilings to rough finish up to $500 per claim.
- Rough finish is defined to include hanging of drywall, patching of drywall, stucco, and lath.
- Repair to rough finish does not include supplies or labor for paint, sanding, wall texture, wallpaper and/or tile work.
Not Covered:
- All plumbing in or under the ground, foundation or slab.
- All piping and plumbing outside of the perimeter of the foundation.
- Any piping or plumbing in a detached structure.
- Stoppage of concrete encased lines.
- Any fees for locating, accessing or installing cleanouts.
- Removal of water closets/toilets in order to clear stoppages, any fees for photo/video equipment, hydro-jetting equipment.
- Jet or steam clearing.
- Chemicals.
- Stoppages caused by root invasion.
- Stoppages caused by foreign objects, such as but not limited to, sanitary wipes, toys, bottle caps, etc.
- Bath tubs
- Toilet lids and seats.
- Sinks.
- Cracked porcelain.
- Basket and strainers.
- Pop-up assemblies.
- Tub waste overflow.
- Glass.
- Bidets.
- Electronic toilets/bidets.
- Caulking or grout.
- Color or purity of the water in the system.
- Concrete encased plumbing.
- Conditions of insufficient or excessive water pressure.
- Conditions of water flow restriction due to scale, rust, sediment, and other deposits.
- Exterior hose bibs.
- Faucets and fixtures.
- Water softeners.
- Freeze damage.
- Holding and pressure tanks.
- Jet pumps.
- Laundry tubs.
- Lawn sprinkler systems; saunas and/or steam systems.
- Polybutylene or quest piping.
- Galvanized drain lines.
- Drum traps.
- Flange.
- Repair and finish of any floors where it is necessary to break through to effect repairs.
- Septic tanks and systems in or outside of the home.
- Sewage ejector pumps.
- Sewer and water laterals.
- Shower enclosures and base pans.
Water heater
Limit Amount: $500.00
Covered:
- All components and parts for gas and/or electric hot water heaters, including circulating pumps.
Not Covered:
- Auxiliary and secondary holding/storage tanks.
- Main, holding or storage tanks.
- Expansion tanks.
- Base pans.
- Drain pans and drain lines.
- Line restrictions.
- Pressure reducing valve.
- Sediment build-up.
- Mineral and/or calcium build-up.
- Rust and corrosion.
- Combustion shutdown.
- Color or purity of water.
- Flues.
- Vent pipes/lines.
- Insulation and insulation blankets.
- Heat recovery units.
- Tankless hot water heaters.
- Low boy and/or squat water heaters.
- Solar water heaters including all solar components and parts.
- Any noise without a related mechanical failure.
- Racks.
- Straps.
- Timers.
- Energy management systems.
- Commercial grade equipment and units exceeding 75 gallons.
Electrical
Limit Amount: $500.00
Covered:
- All components and parts
Not Covered:
- Attic exhaust fans.
- Direct current (DC) wiring and systems.
- Exterior wiring and components (except main panels mounted to exterior wall).
- Any wiring or components servicing a detached structure.
- Fire, carbon monoxide alarm and/or detection systems
- Batteries.
- Intercom or speaker systems.
- Doorbells.
- Multi-media systems.
- Lighting fixtures.
- Load control devices.
- Low voltage systems including wiring and relays.
- Service entrance cables.
- Telephone systems.
- Telephone wiring.
- Cable wiring.
- Alarm and/or security systems and wiring.
- Timers.
- Touch pad assemblies.
- Transmitters and remotes.
- Utility meter base pans.
- Solar power systems and panels.
- All solar components and parts.
- Energy management systems.
- Commercial grade equipment.
- Auxiliary or sub-panels.
- Bus bars.
- Broken and/or severed wires.
- Rerunning of new wiring for broken wires.
- Wire tracing.
- Central vacuum systems.
- Failures and conditions caused by inadequate wiring capacity, inadequate size breakers, circuit overload, power failure/shortage or surge, and corrosion are not covered.
Oven
Limit Amount: Unknown
Covered:
- All mechanical components and parts
Not Covered:
- Doors.
- Door seals.
- Hinges.
- Handles.
- Glass.
- Knobs.
- Lighting.
- Clocks (unless they affect the cooking function of the unit).
- Meat probe assemblies, rotisseries; racks and trays.
- Downdrafts.
- Range exhaust hoods.
- Independent telescoping range exhaust.
- Exhaust fan not solely for venting range/cooktop fumes.
- Filters and screens.
- Venting.
- Sensi-heat burners will only be replaced with standard burners.
- Drip pans.
- Self-cleaning mechanisms including door latches.
- Commercial units
Microwave
Limit Amount: Unknown
Covered:
- All mechanical components and parts
Not Covered:
- Doors.
- Hinges.
- Handles.
- Glass.
- Knobs.
- Lights.
- Clocks (unless they affect the cooking function of the unit).
- Meat probe assemblies, rotisseries.
- Racks and trays.
- Interior linings.
- Arcing.
- Portable or counter top units.
Dishwasher
Limit Amount: Unknown
Covered:
- All mechanical components and parts
Not Covered:
- Doors.
- Soor seals.
- Hinges.
- Handles.
- Glass.
- Knobs.
- Racks.
- Trays, and baskets.
- Rollers.
- Damage caused by broken glass.
- Noise without a related mechanical failure.
- Maintenance and cleaning.
- Commercial units.
- Portable units.
Disposal
Limit Amount: Unknown
Covered:
- All components and parts, including entire unit.
Not Covered:
- Failures and/or jams caused by bones, eggshells; glass, or foreign objects other than food.
Trash compactor
Limit Amount: Unknown
Covered:
- All components and parts.
Not Covered:
- Portable units.
- Lock and key assemblies.
- Removable buckets.
- Doors.
- Door seals.
- Hinges.
- Handles.
- Damage caused by overloading.
- Commercial units.
Ductwork
Limit Amount: $500.00
Covered:
- Duct from heating and air conditioning unit to point of attachment at registers or grills.
Not Covered:
- Registers and grills.
- Insulation.
- Insulated ductwork.
- Asbestos.
- 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.
- THP will provide access to ductwork through unobstructed walls, ceilings or floors, only, and will return the access opening to rough finish condition.
- Rough finish is defined to include hanging of drywall, patching of drywall, stucco, and lath.
- Repair to rough finish does not include supplies or labor for paint, sanding, wall texture, wallpaper and/or tile work.
- Built-in appliances.
- Cabinets.
- Floor coverings or other obstructions impeding access to walls, ceilings, and/or floors.
Garage door
Limit Amount: Unknown
Covered:
- All components and parts
Not Covered:
- Garage doors.
- Hinges.
- Springs.
- Sensors.
- Chains.
- Travelers.
- Door track assemblies.
- Rollers.
- Lights.
- Keypads.
- Wall buttons.
- Remote receiving and/or transmitting devices.
Ceiling fan
Limit Amount: $400.00
Covered:
- Motors
- Switches
- Controls
- Bearings
Not Covered:
- Kitchen exhaust fans
- Range exhaust fans
- Fan blades
- Belts
- Shutters
- Filters
- lighting
Cooktop exhaust fan
Limit Amount: $400.00
Covered:
- Motors
- Switches
- Controls
- Bearings
Not Covered:
- Kitchen exhaust fans
- Range exhaust fans
- Fan blades
- Belts
- Shutters
- Filters
- lighting
Spa
Limit Amount: $500.00
Covered:
- Mechanical parts and components including accessible electrical controls.
- Accessible plumbing lines.
- Air pumps.
- Gaskets.
- Primary circulation pump and motor.
Not Covered:
- Bathtub shell.
- Heaters.
- Lights.
- Multi-media systems.
- Faucets and fixtures.
- Caulking and grout.
- Drains.
- Jets.
- Conditions of water flow restriction due to scale, rust, minerals and other deposits.
- Failures due to dry operation of equipment.
- Gaining access to electrical, component parts, and/or piping.
- Tiles and marble; and tub enclosure.
Available for optional add-on
- + $150
- + $150
- + $100
- + $75
-
+ $75 -
+ $75 -
+ $75 - + $60
-
+ $60 - + $50
-
+ $50 -
+ $50 - + $35
- + $35
-
+ $35 -
+ $35 - + $25
- + $25
Spa
Limit Amount: $500.00
Covered:
- Above ground components and parts of the pumping.
- Filtration system including pool sweep motor and pump.
- Pump motor.
- Blower motor and timer.
- Filter.
- Filter timer.
- Gaskets.
- Timer.
- Valves, limited to back flush, actuator, check, and 2 and 3-way valves.
- Relays and switches.
- Above ground plumbing pipes and wiring.
Not Covered:
- Portable or above ground spas.
- Access to pool and spa equipment.
- Lights.
- Liners and tile.
- 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.
- Disposable filtration mediums.
- Heat pump.
- Heaters.
- Control panels.
- Control boards.
- Multi-media centers.
- Dehumidifiers.
- Salt water generators and components.
- Salt water systems.
- Cracked or corroded filter casings.
- Grids.
- Cartridges.
- Maintenance.
- Structural defects.
- Solar equipment and components.
Pool
Limit Amount: $500.00
Covered:
- Above ground components and parts of the pumping.
- Filtration system including pool sweep motor and pump.
- Pump motor.
- Blower motor and timer.
- Filter.
- Filter timer.
- Gaskets.
- Timer.
- Valves, limited to back flush, actuator, check, and 2 and 3-way valves.
- Relays and switches.
- Above ground plumbing pipes and wiring.
Not Covered:
- Portable or above ground spas.
- Access to pool and spa equipment.
- Lights.
- Liners and tile.
- 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.
- Disposable filtration mediums.
- Heat pump.
- Heaters.
- Control panels.
- Control boards.
- Multi-media centers.
- Dehumidifiers.
- Salt water generators and components.
- Salt water systems.
- Cracked or corroded filter casings.
- Grids.
- Cartridges.
- Maintenance.
- Structural defects.
- Solar equipment and components.
Septic
Limit Amount: $500.00
Covered:
- Sewage ejector pump for septic system only.
- Jet pump.
- Aerobic pump.
- Clearing of stoppages within the connecting waste line (leading from the house to the primary septic tank) which are attributable to normal wear and tear and can be accessed through an existing clean out without excavation.
Not Covered:
- Broken or collapsed sewer lines.
- Tile fields.
- Leach beds.
- Leach lines.
- Lateral lines.
- Tanks.
- Insufficient capacity.
- Seepage pits.
- Cesspools and sewage ejector pumps not associated with the septic system.
- The cost associated with locating or gaining access to the septic tank or sewer hook-ups nor do we cover the cost of installing cleanouts or hook ups if they do not already exist.
- Disposal of waste.
- Pumping.
- Chemical treatments of the septic tank or sewer lines, stoppages caused by root invasion and/or stoppages caused by foreign objects, such as but not limited to, toys and bottle caps.
Well pump
Limit Amount: $500.00
Covered:
- All components and parts of well pump utilized as a main 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.
- 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 all well pump components for geothermal and/or water source heat pumps.
Air conditioner
Limit Amount: Unknown
Heating system
Limit Amount: Unknown
Water heater
Limit Amount: Unknown
Septic tank pumping
Limit Amount: $200.00
Covered:
- The septic tank will be pumped once during the Agreement term if the stoppage is due to septic back up only.
Not Covered:
- The cost associated with locating or gaining access to the septic tank or sewer hook-ups nor do we cover the cost of installing cleanouts or hook ups if they do not already exist.
- Disposal of waste.
- Chemical treatments of the septic tank or sewer lines.
- Leach beds.
- Leach lines.
- Lateral lines.
- Tanks.
- Cesspools.
- Mechanical pumps and/or systems.
Oven
Limit Amount: Unknown
Roof leaks
Limit Amount: $500.00
Covered:
- Repair of shake and composition roof leaks over the occupied living area.
Not Covered:
- Leaks related to patios.
- Porches.
- Decks.
- Metal roofs.
- Foam roofs.
- Shingles.
- Cemwood shakes.
- Cracked and/or missing material.
- Tiles.
- Tar and gravel.
- Flat or built-up roofs.
- Structural leaks.
- Asphalt.
- Gutters.
- Downspouts.
- Skylights.
- Flashing.
- Patio covers.
- Solar components.
- Attic vents.
- Roof jacks.
- Satellite components.
- Antennae.
- Chimney components.
- Partial roof replacement.
- Preventative maintenance.
Free-standing ice maker
Limit Amount: Unknown
Covered:
- All mechanical components and parts
Not Covered:
- Racks.
- Shelves.
- Glass.
- Lighting.
- Handles.
- Doors, door seals, hinges, and gaskets.
- Freon.
- Disposal and recapture of Freon, ice crushers.
- Water lines and valve to ice maker.
- Line restrictions.
- Leaks of any kind.
- Maintenance.
- Interior thermal shells.
- Noise without a related mechanical failure.
- Leveling and balancing.
- Commercial units
Garage door
Limit Amount: Unknown
Refrigerator
Limit Amount: Unknown
Stand-alone freezer
Limit Amount: Unknown
Covered:
- All components and parts
Not Covered:
- Racks.
- Shelves.
- Glass.
- Lighting.
- Handles.
- Doors.
- Door seals, hinges, and gaskets.
- Freon.
- Disposal and recapture of Freon.
- Ice makers, ice crushers.
- Water lines and valve to ice maker.
- Line restrictions.
- Leaks of any kind.
- Maintenance.
- Interior thermal shells.
- Food spoilage.
- Noise without a related mechanical failure.
- Multi-media centers and internet connection components.
Water softener
Limit Amount: $500.00
Covered:
- Mechanical parts and components of basic single water softener unit, including central head assembly.
- Multi-level/twin softeners.
- Piping to and from unit(s) and system tanks.
Not Covered:
- Any and all treatment, purification, odor control, iron filtration components and systems.
- Discharge drywells.
- Inadequate pressure.
- Failure due to excessive water pressure or freeze damage.
- Failures due to mineral and/or sediment.
- Resin bed replacement and salt.
- Leased or rented units.
- Softening agents.
Refrigerator ice maker
Limit Amount: $200.00
Covered:
- Mechanical components and parts related to the kitchen refrigerator ice maker only.
Not Covered:
- Free standing ice makers.
- Freon.
- Disposal and recapture of Freon.
- Dispensers.
- Ice crushers.
- Water lines and valve to ice maker.
- Line restrictions.
Vacuum
Limit Amount: Unknown
Covered:
- All mechanical components and parts
Not Covered:
- Ductwork; piping; nozzles; hoses; blockages; accessories
Sump pump
Limit Amount: $500.00
Covered:
- Mechanical parts and components of permanently installed sump pump for ground water, within the foundation of the home or attached garage.
Not Covered:
- Any unit located outside the covered property and/or within crawl spaces.
- Back-up power assemblies.
- Portable or non-hard piped installed units.
- Sewerage ejector pumps.
- Backflow preventers.
- Check valves.
- Piping modifications for new installs
Know What Is Included in Your Home Warranty Coverage Quality
One of the most common mistakes that many homeowners make when they purchase a home warranty is that they do not thoroughly go over the list of covered items. For example, they assume that when they buy one of the best home appliance coverage plans it will include every appliance in their house. Home warranty buyers should remember that a higher-priced cost of home warranty coverage does not guarantee a better coverage plan.
The truth is that every company not only has its own list of covered and non-covered items, but for each one, there is a list of covered and non-covered parts. In addition to that, for many home systems and appliances, there is a coverage limit that may vary between companies. The coverage limit, or cap, is the maximum amount per year that the home warranty company will pay for the repair or replacement of a certain item. This is why it is very important to be meticulous about what your home warranty coverage is.
Types of Home Warranty Coverage
Home warranty companies that provide the best home warranty coverage meets the needs of their customers by offering them different types of coverage. Typical home warranty coverage includes all essential home appliances and some crucial home systems, such as plumbing and air conditioning. It is very popular among clients who are interested in a seller’s coverage home warranty. Many experienced realtors recommend that sellers purchase a home warranty as it will protect the house while it is on the market, and will raise the value of the property in the eyes of potential home buyers.
For more demanding customers, premium home warranty coverage usually includes all major home systems, such as electric, plumbing, heating, and air conditioning, as well as all kitchen and laundry appliances. Most companies offer home warranty insurance coverage for additional items not included in the basic or premium plans. These items include swimming pool and spa, central vacuum, extra refrigerators or freezers, roofing, and such. For those customers who prefer to cover home appliances only, companies like Select Home Warranty and American Home Guard offer home appliance coverage plans.
Alternatively, these companies can provide basic home warranty coverage for home systems only. Combined plans for customers who want the best home warranty coverage including systems and appliances as well as optional add-ons are also available from these companies.
Types of Homes Eligible for a Home Warranty Coverage: From Single-Family to Mobile Homes
Once the home warranty industry emerged in the second half of the last century, most companies covered single-family houses only. As the home warranty market started developing and became more and more saturated, the companies began to offer home warranty coverage for different types of housing. First, the townhouses were included, then the condominiums, and eventually, the mobile home warranty plans became available.
A mobile home warranty is not offered by every company. However, if you own a mobile home, you may always ask the company representative if they have such an option. Mobile home warranty companies usually offer similar coverage options to other companies that don’t offer mobile home insurance. A home warranty for mobile homes provided by industry leaders like Total Home Protection or Choice Home Warranty covers air conditioning and heating, plumbing, and electrical systems, and a full range of home appliances, including a whirlpool bath.
Company
Plan
Premium (Year)
Deductible
Limit
Coverage
Get free quote
Company
Plan
Rating
Gold Plan for Mobile Homes
Level:
Silver
Type:
Combo
$399
$75
$200 - $500
51%
Details