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
Platinum Care plan
Level:
Platinum
Type:
Combo
$499
$60
$500 - $2,000
68%
Details
Level:
Platinum
Type:
Combo
Deductible
$60
Limit
$500 - $2,000
Premium(Year)
$499
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
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
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.
Premier Plan
Level:
Platinum
Type:
Combo
$510
$75
$500 - $3,500
79%
Details
Level:
Platinum
Type:
Combo
Deductible
$75
Limit
$500 - $3,500
Premium(Year)
$510
Coverage
79%
Details
Included in this coverage plan
Dishwasher
Limit Amount: $3500.00
Covered:
- All Parts
Not Covered:
- Racks
- Baskets
- Rollers
- Knobs
- Dials
Disposal
Limit Amount: $3500.00
Covered:
- All Parts
Water dispenser
Limit Amount: Unknown
Covered:
- All Parts
Trash compactor
Limit Amount: $3500.00
Covered:
- All Parts
Not Covered:
- Removable buckets
- Knobs
- Lock assemblies
Oven
Limit Amount: $3500.00
Covered:
- All Parts
Not Covered:
- Rotisseries
- Lights
- Knobs
- Dials
- Racks
- Door glass
- Interior lining
- Magnetic induction cooktops
- Meat probe assemblies
- Clocks
Microwave
Limit Amount: $3500.00
Covered:
- All Parts
Not Covered:
- Interior lining
- Door glass
- Clocks
- Racks
- Knobs
- Removable trays
- Rotisseries
- Lights
- Meat probe assemblies
Refrigerator
Limit Amount: $3500.00
Covered:
- All parts
Not Covered:
- Insulation
- Racks
- Shelves
- Drawers
- Tracks
- Handles
- Lights
- Ice crushers
- Beverage dispensers and their respective equipment
- Interior thermal shells
- Food spoilage
- Stand alone freezers
- Refrigerators located outside kitchen area and refrigerant recapture
- Reclaim and disposal
Washer
Limit Amount: Unknown
Covered:
- All parts
Not Covered:
- Plastic mini-tubs
- Soap dispensers
- Filter and lint screens
- Knobs and dials
- Venting
- Damage to clothing
Dryer
Limit Amount: Unknown
Covered:
- All parts
Not Covered:
- Plastic mini-tubs
- Soap dispensers
- Filter and lint screens
- Knobs and dials
- Venting
- Damage to clothing
Cooktop exhaust fan
Limit Amount: Unknown
Covered:
- All parts
Ceiling fan
Limit Amount: Unknown
Covered:
- All parts
Not Covered:
- Light kits and remote transmitters
Plumbing
Limit Amount: Unknown
Covered:
- Pressure regulators
- Circulating hot water pump
- Whirlpool bath motor, pump and air switch assemblies
- Permanently installed sump pumps (ground water only)
- Valves: shower, tub, diverter, riser, angle stop and gate valves
- Leaks and breaks of water, drain, gas, vent or sewer lines (except caused by freezing)
- Toilet tanks, bowls and mechanisms (replaced with white builder's standard as necessary)
Not Covered:
- Fixtures
- Faucets
- Filter
- Shower head
- Shower arm
- Shower enclosure and base pan
- Caulking and grouting
- Septic tank
- Hose bibbs
- Flow restrictions in fresh water lines
- Water conditioning equipment
- Sewage ejectors
- Saunas or steam rooms
- Whirlpool jets
- Fire suppression systems
Plumbing stoppages
Limit Amount: Unknown
Covered:
- Clearing of stoppages in sink, tub, shower drains and toilets
- Clearing of sewer and mainline stoppages (including hydrojetting if stoppage is unable to be cleared with cable) to 125 feet of point of access where ground level cleanout is existing
- Clearing of lateral drain lines to 125 feet from point of access including accessible cleanout, p-trap, drain or overflow access point
Not Covered:
- Stoppages caused by foreign objects, roots, collapsed or broken lines outside the foundation
- Access to drain or sewer lines from roof vent and costs to locate
- Access or install a ground level cleanout
Heating system
Limit Amount: Unknown
Covered:
- Radiators
- Heat pump
- Heating elements
- Gas valves to furnace
- Baseboard convectors
- Hydronic circulating pumps
- Gas, electrical, oil furnaces
- Thermostats (including base)
- Heat pump refrigerant recharging
Not Covered:
- Auxiliary space heaters
- Cable heat
- Mini-split ductless systems (including heat pump versions)
- Humidifier/dehumidifier systems or accessories
- Filters (including electronic air cleaners)
- Registers
- Fuel storage tanks
- Heat lamps
- Fireplaces
- Key valves
- Baseboard casings and grills
- Chimneys
- Flues and vents
- Underground or outside components and piping for geothermal or water source heat pumps
- Well pumps and well pump components for geothermal or water source heat pumps
- Grain, pellet, or wood heating units (even if only source of heating)
- Electronic, computerized, pneumatic and manual system management and zone controllers and heat pump refrigerant recapture
- Reclaim and disposal
Water heater
Limit Amount: Unknown
Covered:
- All parts
Not Covered:
- Holding or storage tanks
- Flues and vents
- Fuel storage tanks
- Solar equipment
Electrical
Limit Amount: Unknown
Covered:
- Plugs
- Wiring
- Conduit
- Junction boxes
- Telephone wiring
- Switches and fuses
- Panels and sub panels
- Circuit breakers (including ground fault)
Not Covered:
- Door bells
- Computer
- Audio
- Video
- Intercom
- Fixtures
- Alarm — and all associated wiring or cables
- Inadequate wiring capacity
- Sensor
- Relay
- Low voltage systems
- Power surges
- Timed circuits
- Phone jacks and wiring which is the property of the phone company
Garage door
Limit Amount: Unknown
Covered:
- Motor
- Carriage
- Switches
- Push arm
- Capacitor
- Receiver unit
- Track assembly
Not Covered:
- Remote transmitters
- Adjustments
- Doors
- Hinges
- Springs
Vacuum
Limit Amount: Unknown
Covered:
- All parts
Not Covered:
- Hoses and accessories which are removable
Attic fans
Limit Amount: Unknown
Covered:
- All parts
Ductwork
Limit Amount: $500.00
Covered:
- Ductwork from the heating or cooling unit to the connection at register or grill
Not Covered:
- Grills and registers
- Insulation
- Dampers
- Locating leaks to ductwork
- Diagnostic testing of ductwork
Toilet
Limit Amount: Unknown
Available for optional add-on
-
+ $180 - + $180
-
+ $108 - + $84
-
+ $48
Spa
Limit Amount: Unknown
Covered:
- Filters
- Valves
- Timers
- Pumps
- Circuit board
- Heating units
- Pump motors
- Salt water cell
- Pool sweep motor and pumps
- Above ground plumbing and electrical
Not Covered:
- All cleaning equipment, including pop up heads, turbo valves, pool sweeps
- Liners
- Lights
- Structural defects
- Solar equipment
- Inaccessible components
- Humidifier/dehumidifier systems or accessories
- Jets and respective parts and components
- Fuel storage tanks
- Fill valves
- Electronic, computerized, pneumatic and manual system management and zone controllers
- Disposable filtration media, chlorinators, ozonators and other water chemistry control equipment and materials
- Auxiliary, negative edge, waterslide, waterfall, ornamental fountain and their pumping and motor systems
- Any other pump or motor that does not circulate water from the pool or spa directly into the main filtration system as its primary function
- Heat pumps
- Salt
- Panel box
- Remote controls and dials
Pool
Limit Amount: Unknown
Covered:
- Filters
- Valves
- Timers
- Pumps
- Circuit board
- Heating units
- Pump motors
- Salt water cell
- Pool sweep motor and pumps
- Above ground plumbing and electrical
Not Covered:
- All cleaning equipment, including pop up heads, turbo valves, pool sweeps
- Liners
- Lights
- Structural defects
- Solar equipment
- Inaccessible components
- Humidifier/dehumidifier systems or accessories
- Jets and respective parts and components
- Fuel storage tanks
- Fill valves
- Electronic, computerized, pneumatic and manual system management and zone controllers
- Disposable filtration media, chlorinators, ozonators and other water chemistry control equipment and materials
- Auxiliary, negative edge, waterslide, waterfall, ornamental fountain and their pumping and motor systems
- Any other pump or motor that does not circulate water from the pool or spa directly into the main filtration system as its primary function
- Heat pumps
- Salt
- Panel box
- Remote controls and dials
Air conditioner
Limit Amount: Unknown
Covered:
- Refrigeration System (Includes heat pump):
- - thermostats
- - condensing unit
- - refrigerant lines
- - air handling unit
- - liquid and suction line dryers
- - refrigerant recharging
- - fuses, breakers, disconnect boxes and wiring
- - evaporator coils (including thermostatic expansion valves)
- Evaporative Cooler
- Built-in Electric Wall Units
Not Covered:
- Mini-split ductless systems (including heat pump versions)
- Humidifier/dehumidifier systems or accessories
- Registers
- Grills
- Filters (including electronic air cleaners)
- Gas air conditioners
- Window units
- Underground or outside piping and components for geothermal or water source heat pumps
- Cooler pads
- Roof jacks or stands
- Electronic, computerized, pneumatic and manual system management and zone controllers and refrigerant recapture
- Reclaim and disposal.
Well pump
Limit Amount: $1500.00
Covered:
- All parts of well pump utilized exclusively for domestic use
Not Covered:
- Well casings
- Booster pumps
- Piping or electrical lines
- Holding
- Pressure or storage tanks
- Redrilling of wells
- Damage due to lack of water
- Tampering
- Well pump and well pump components for geothermal or water source heat pumps
- Improper installation and access to repair well pump system
Refrigerator
Limit Amount: $1000.00
Covered:
- All parts of a refrigerator (including wet bar and wine refrigerator) and free standing freezer
- Free standing ice maker: All parts which affect the primary function of the ice maker and water dispenser
Not Covered:
- Refrigerator:
- Kitchen refrigerator
- Insulation
- Racks
- Shelves
- Drawers
- Tracks
- Handles
- Lights
- Ice makers
- Ice crushers
- Beverage dispensers and their respective equipment
- Interior thermal shells
- Food spoilage and refrigerant recapture
- Reclaim and disposal
- Free standing ice maker:
- Filters
- Removable components which do not affect the primary function
- Interior thermal shells
- Insulation and refrigerant recapture
- Reclaim and disposal
Combo Plan
Level:
Platinum
Type:
Combo
$579
$75
$500 - $2,500
86%
Details
Level:
Platinum
Type:
Combo
Deductible
$75
Limit
$500 - $2,500
Premium(Year)
$579
Coverage
86%
Details
Included in this coverage plan
Air conditioner
Limit Amount: $2500.00
Covered:
- Mechanical parts and components of two (2) ducted electric central air conditioning systems
- All components and parts for units 14 SEER or below and/or R-22 equipment, and when We are unable to facilitate repair and/or replacement of failed covered equipment at the current SEER (Seasonal Energy Efficiency Ratio) rating or with R-22 equipment, repair and/or replacement will be performed with 14 SEER/R410A equipment and/or 7.7 HSPF or higher compliant
Not Covered:
- Filters
- 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
- Evaporator coil pan
- 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
- Alternatively, improper use of metering devices (i.e. thermal expansion valves).
Heating system
Limit Amount: Unknown
Covered:
- Mechanical parts and components of two (2) systems, either 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
- Igniter and pilot assemblies
- Internal system controls
- Wiring
- And relays
- Motors (excluding dampers)
- Switches
- Electric baseboard units are covered only 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 or 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
- Freestanding 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 or structural components.
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
Not Covered:
- Any plumbing in or under the ground, foundation, or slab
- Any piping or 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 and clogs in drain and sewer lines that cannot be cleared by cable or caused by root invasion
- Caused by foreign objects such as, but not limited to, sanitary wipes, toys, bottle caps, etc.
- Bathtubs
- 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, or 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
- Or shower enclosures and base pans
Plumbing stoppages
Limit Amount: $500.00
Covered:
- Stoppages and/or clogs in drain and sewer lines up to 100 feet from access point
- Repair and finish of any walls or ceilings to Rough Finish condition where it is necessary to break through to effect repair is only covered up to $500 per claim
- "Rough Finish" is defined to include hanging of drywall, patching of drywall, stucco, and lath
- Repair to Rough Finish condition does not include supplies or labor for paint, sanding, wall texture, wallpaper, or tile work
Not Covered:
- Any plumbing in or under the ground, foundation, or slab
- Any piping or 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 and clogs in drain and sewer lines that cannot be cleared by cable or caused by root invasion
- Caused by foreign objects such as, but not limited to, sanitary wipes, toys, bottle caps, etc.
- Bathtubs
- 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, or 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
- Or shower enclosures and base pans
Electrical
Limit Amount: $500.00
Covered:
- All components and parts, except as excluded below in "NOT COVERED."
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
- Or central vacuum systems
- Failures and conditions caused by inadequate wiring capacity, inadequate size breakers, circuit overload, power failure/shortage or surge, or corrosion are not covered
Water heater
Limit Amount: Unknown
Covered:
- All components and parts for gas and/or electric and/or tankless 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
- 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
- Lowboy 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
- Or commercial grade equipment and units exceeding 75 gallons
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
- We will only provide access to ductwork through unobstructed walls, ceilings, or floors, and will return the access opening to Rough Finish condition
- With respect to concrete covered, embedded, encased, or otherwise inaccessible ductwork
- We will pay no more than $500 per contract term for access, diagnosis, repair and/or replacement
- "Rough Finish" is defined to include hanging of drywall, patching of drywall, stucco, and lath
- Repair to Rough Finish condition does not include supplies or labor for paint, sanding, wall texture, wallpaper, and/or tile work
- We shall not be responsible for payment of the cost to remove and replace any 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
- Or remote receiving and/or transmitting devices
Dishwasher
Limit Amount: Unknown
Covered:
- All mechanical components and parts
Not Covered:
- Doors
- Door seals
- Hinges
- Handles
- Glass
- Knobs
- Racks, trays, or baskets
- Rollers
- Damage caused by broken glass
- Noise without a related mechanical failure
- Maintenance and cleaning
- Commercial units
- Or portable units
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 crushers, beverage dispensers and their respective equipment
- Water lines
- 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
- Or multi-media centers and internet connection components
Refrigerator ice maker
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 crushers, beverage dispensers and their respective equipment
- Water lines
- 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
- Or multi-media centers and internet connection components
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
- Or multi-media centers and internet connection components
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
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 and 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
- Sense-heat burners will only be replaced with standard burners
- Drip pans
- Self-cleaning mechanisms including door latches
- Alternatively, commercial units
Washer
Limit Amount: Unknown
Covered:
- All components and parts
Not Covered:
- Soap dispensers
- Removable mini tubs
- 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
- Or conditions of water flow restriction due to scale, rust, minerals or other deposits
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
- Alternatively, portable or counter top units
Water dispenser
Limit Amount: Unknown
Disposal
Limit Amount: Unknown
Attic fans
Limit Amount: $500.00
Covered:
- Motors
- Switches
- Controls
- Bearings
Not Covered:
- Kitchen exhaust fans
- Range exhaust fans
- Fan blades
- Belts
- Shutters
- Filters
- Lighting
Ceiling fan
Limit Amount: $500.00
Covered:
- Motors
- Switches
- Controls
- Bearings
Not Covered:
- Kitchen exhaust fans
- Range exhaust fans
- Fan blades
- Belts
- Shutters
- Filters
- Lighting
Bath exhaust fan
Limit Amount: Unknown
Covered:
- Motors
- Switches
- Controls
- Bearings
- Blades
Not Covered:
- Whole house fans
- Belts
- Shutters
- Filters
- Lighting
Doorbell
Limit Amount: Unknown
Covered:
- All components and parts
Not Covered:
- Door bells associated with Intercom Systems
- Battery operated door bells
Cooktop exhaust fan
Limit Amount: Unknown
Covered:
- Motors
- Switches
- Controls
- Bearings
- Blades
Not Covered:
- Whole house fans
- Belts
- Shutters
- Filters
- Lighting
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
- Or conditions of air flow restriction due to a lack of maintenance and/or clogged lint screens
Toilet
Limit Amount: Unknown
Available for optional add-on
- + $179
- + $179
- + $99
-
+ $99 - + $99
- + $99
- + $99
- + $99
-
+ $99 -
+ $99 -
+ $65 - + $60
- + $59
-
+ $40 - + $40
- + $40
-
+ $40
Pool
Limit Amount: $500.00
Covered:
- Above ground components and parts of the pumping and 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 aboveground pools or 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
- Alternatively, solar equipment and components
Spa
Limit Amount: $500.00
Covered:
- Above ground components and parts of the pumping and 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 aboveground pools or 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
- Alternatively, solar equipment and components
Air conditioner
Limit Amount: Unknown
Heating system
Limit Amount: Unknown
Vacuum
Limit Amount: Unknown
Covered:
- All mechanical components and parts
Not Covered:
- Ductwork
- Piping
- Nozzles
- Hoses
- Blockages
- Accessories.
Sprinkler
Limit Amount: $200.00
Covered:
- Timers
- Valves
- Stoppages
Not Covered:
- Hydraulic systems
- Malfunctioning due to lack of water pressure
- Digging of sprinkler lines
- Water lines
- Leak detections
- Batteries
- Drip irrigation systems
- Damage due to freezing, pets, cars, or lawn care equipment
- Sprinkler heads
- Seasonal maintenance
- Improper electrical current
- Or systems using water containing corrosive chemicals, electrolytes, sand, dirt, silt, rust or agents that otherwise attack and degrade plastics
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
- Predrilling 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
- Or well pump and all well pump components for geothermal and/or water source heat pumps
Septic
Limit Amount: Unknown
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
- Alternatively, cesspools and sewage ejector pumps not associated with the septic system
- We do not cover 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
- Or 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
Humidifier
Limit Amount: $500.00
Covered:
- All components and parts
Not Covered:
- Filters or other consumable parts
Water heater
Limit Amount: Unknown
Septic tank pumping
Limit Amount: $200.00
Covered:
- The septic tank will be pumped once during the Contract term if the stoppage is due to septic backup only. Coverage applies to main line stoppages and/or clogs and must have existing access or clean out
- Coverage can only become effective if a septic certification was completed within 90 days prior to close of sale
Not Covered:
- We do not cover 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
- Or mechanical pumps and/or systems
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
- Camwood 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
- Or preventative maintenance
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
- Or piping modifications for new installs
Wine refrigerator
Limit Amount: $500.00
Covered:
- All components and parts
Not Covered:
- Racks, shelves, mini fridges, interior thermal shells, food spoilage, door seals, lighting and handles, unites moved out of the kitchen, and audio/visual components and internet connection equipment
Stand-alone freezer
Limit Amount: Unknown
Refrigerator
Limit Amount: Unknown
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:
- 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
- Or softening agents
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.
- 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.
- C