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

Coverage Level
Covered items+ more appliances
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Company
Plan
Premium (Year)
Deductible
Limit
Coverage
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Company
Plan
Rating
Total Plan
Level:
Platinum
Type:
Combo
$580
$85
$500 - $1,500
74%
Details
Total Plan
Rating: 97.50
Level:
Platinum
Type:
Combo
Deductible
$85
Limit
$500 - $1,500
Premium(Year)
$580
Coverage
74%
Details
Combo Plan
Level:
Platinum
Type:
Combo
$720
$75
$1,000 - $3,000
83%
Details
Combo Plan
Rating: 97.00
Level:
Platinum
Type:
Combo
Deductible
$75
Limit
$1,000 - $3,000
Premium(Year)
$720
Coverage
83%
Details
Platinum Care plan
Level:
Platinum
Type:
Combo
$699
$60
$500 - $2,000
68%
Details
Platinum Care plan
Rating: 95.80
Level:
Platinum
Type:
Combo
Deductible
$60
Limit
$500 - $2,000
Premium(Year)
$699
Coverage
68%
Details
Gold Plan
Level:
Silver
Type:
Combo
$544
$75
$400 - $500
50%
Details
Gold Plan
Rating: 95.20
Level:
Silver
Type:
Combo
Deductible
$75
Limit
$400 - $500
Premium(Year)
$544
Coverage
50%
Details
Premier Plan
Level:
Platinum
Type:
Combo
$510
$75
$500 - $3,500
78%
Details