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HomeGuard HomeWarranty Review

Home systems and appliances can suddenly break down one day, and usually at the worst possible time. A home warranty is a homeowner's best defense against the inconvenience and expense of unexpected repairs. So, if you want to protect yourself from the concerns connected with home repairs, this HomeGuard HomeWarranty review is what you need to read.

Our team at ReviewHomeWarranties.com analyzed such important aspects as HomeGuard HomeWarranty’s plans, coverage, pricing, terms and conditions, trustworthiness, along with customer reviews. We also compared this home warranty provider to its competitors to help you see its place in the market. So, whether you live in Arizona or California, read this HomeGuard HomeWarranty review to make the right decision.

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HomeGuard HomeWarranty Reviews by Our Readers
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Covered States
Hawaii Alaska Florida New Hampshire Michigan Vermont Maine Rhode Island New York Pennsylvania New Jersey Delaware Maryland Virginia West Virginia Ohio Indiana Illinois Connecticut Wisconsin North Carolina District of Columbia Massachusetts Tennessee Arkansas Missouri Georgia South Carolina Kentucky Alabama Louisiana Mississippi Iowa Minnesota Oklahoma Texas New Mexico Kansas Nebraska South Dakota North Dakota Wyoming Montana Colorado Idaho Utah Arizona Nevada Oregon Washington California
Pros And Cons
  • Clients report fair compensation
  • Low chance of payment delays
  • Large selection of plans (5)
  • Short repair timeframe

  • Higher chance of claim denial
  • Low contractor ability reported
  • Not available in all states
  • Online chat not supported
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Covered Appliances and Systems
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Air conditioner
Covered by Advantage Combo (with A/C), Total Protection (with A/C)
Covered as optional
Heating system
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C) (up to $1,500.00)
Ductwork
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C) (up to $1,000.00)
Humidifier
Not covered
Air cleaner
Not covered
Vacuum
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C)
Refrigerator
Covered as optional (up to $5,000.00)
Refrigerator ice maker
Not covered
Free-standing ice maker
Not covered
Wine refrigerator
Covered as optional (up to $1,500.00)
Stand-alone freezer
Covered as optional (up to $1,500.00)
Microwave
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C)
Oven
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C)
Dishwasher
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C)
Water dispenser
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C)
Trash compactor
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C)
Disposal
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C)
Cooktop exhaust fan
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C)
Ceiling fan
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C)
Attic fans
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C)
Bath exhaust fan
Not covered
Whole house fan
Not covered
Washer
Covered as optional
Dryer
Covered as optional
Plumbing
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C)
Plumbing stoppages
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C)
Water heater
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C)
Water purification
Not covered
Water softener
Covered as optional (up to $500.00)
Well pump
Covered as optional
Toilet
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C)
Septic
Not covered
Sump pump
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C)
Septic tank pumping
Covered as optional (up to $500.00)
Outside sewer line
Not covered
Outside water line
Not covered
Electrical
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C)
Generator
Not covered
Garage door
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C)
Doorbell
Covered by Standard Coverage, Advantage Combo (with A/C), Advantage Combo (without A/C), Total Protection (with A/C), Total Protection (without A/C)
Alarm
Not covered
Outside electrical line
Not covered
Outside gas line
Not covered
Pool
Covered as optional
Spa
Covered as optional
Pests
Not covered
Sprinkler
Not covered
Roof leaks
Not covered
our overall rating 72.10%
Updated for Jun 16, 2019
Facts and Figures
  • Effective in1 day
  • Hours 24/7
  • Cancellation$35
  • Premium $380 - $600
  • Deductible$75
  • Limits$1,000 - $1,500
Ratings
  • Trustworthiness:
  • Plans and Coverage:
  • Feedback:
  • The Fine Print:
  • Promotions:
  • Editor Rating:
  • Reader Rating:
Not available through RHW
Click Here to View Alternatives

Our Top-Rated Alternatives to HomeGuard HomeWarranty

  # 1 Select Home Warranty
Editorial Rating 98.5
  • 24/7 service calls
  • Great annual promotions
  • Plans under $30/month
  • High contractor professionalism
  • Quick replacement payments
  • First 30 days: Free cancellation
  # 2 Choice Home Warranty
Editorial Rating 96.8
  • 24/7 service calls
  • Market veteran
  • Large and established firm
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 3 Total Home Protection
Editorial Rating 91.2
  • Multiple optional coverage items
  • 24/7 service calls
  • Clear terms and conditions
  • Free cancellation within 30 days
  • Emergency service available
  • Clients praised communication
Fair Disclosure: ReviewHomeWarranties.com has referral agreements with some of the companies presented on our top lists. We selected these companies because we believe they are the best choice for our readers. Referral income helps us keep the content on this website free.
Editorial Notes

HomeGuard HomeWarranty Inc. has been serving its customers for more than thirteen years. It is a California-based company that provides home warranty services for both homeowners and real estate professionals in just two states in the USAArizona, and California.

This home warranty provider offers a broad range of plans and prices, as well as a wide selection of optional coverage. All of these features make it attractive to clients residing in the covered area. In addition, the limits are higher than most home warranty companies offer.

An A-rating and accreditation of HomeGuard HomeWarranty prove its competitiveness and reliability. Customers of the company are provided with free reservice in case the repair fails. Emergency service is available as well.

On the other hand, we can mention the restricted accessibility of this company—you can contact them only via phone or official website.

We encourage you to read the HomeGuard Home Warranty review and the advertiser disclosure carefully to get the full picture. It will help you make an informed decision regarding your home warranty protection.

Summary rating:
Premium cost level:
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Trustworthiness

Can you trust HomeGuard HomeWarranty Inc.? In this part of the review, our team will do our best to help you answer this question.

Legal
Ownership
HomeGuard HomeWarranty, Inc
Established
2005
CEO
Robert Hessling, President
Registered in
San Jose, CA
Address
510 Madera Ave, San Jose, CA 95112-2918
Available states
Arizona, California
Type of company (private, public)
Private
Mediation and arbitration bodies
Disputes are resolved in American Arbitration Association

HomeGuard HomeWarranty Inc. was established and is headquartered in San Jose, California. The company has been in the home warranty business since 2005. This service provider offers home warranty protection for only two states in the United States—Arizona and California, making its service area very limited. However, this can be an advantage, as they are familiar with the conditions of the areas, so they understand the homeowner’s needs very well.

If any disputes occur, they will be resolved by the American Arbitration Association.

Accessibility
How to contact
Main Page >> Contact Us
Online chat
No
Social media
-

The accessibility of HomeGuard HomeWarranty is limited—you can only contact the representatives of the company via phone or through the contact form on the website. HomeGuard HomeWarranty phone number is listed on their official site. However, customers can file claims online and receive assistance over the phone 24/7. Unfortunately, there is no online chat available, or social media pages.

Benchmarks
HomeGuard HomeWarranty
Other companies
Company size
4
0
1,650
Annual revenue
No data
0
$1,276,000,000
Number of homeowners
No data
0
2,200,000
Number of BBB complaints closed within last 3 years
38
0
12,770
Traffic
909
0
383,900
Number of independent contractors
No data
0
44,000
Reputation
BBB accreditation
A (Accredited)

The rating from the Better Business Bureau and other consumer reporting sites is one of the most important aspects of a home warranty company’s trustworthiness. HomeGuard HomeWarranty Inc. is accredited by the BBB and has an A-rating, which is higher than most of the companies in the industry. For example, the industry leader—Select Home Warranty, has a С-rating and is not accredited by the BBB.

Trustworthiness Rating
3.7 / 5.0
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Coverage

If you have already decided which systems and home appliances you want to be covered under home warranty, we will provide you with a description of HomeGuard HomeWarranty’s plans, prices, limits, and optional coverage items in this part of the review.

There are five HomeGuard home warranty plans that cover both systems and equipment: the Standard Coverage, Advantage Combo (without a/c), Advantage Combo (with a/c), Total Protection (without a/c), Total Protection (with a/c). The plans are developed primarily for real estate sellers and buyers. The covered items of all plans differ only in the air conditioning systems, but the more expensive the plan, the wider the coverage list for each item.

The company's premiums of $380 to $600 are competitive by industry standards and can be compared to America's 1st Choice Home Club’s prices.

HomeGuard HomeWarranty also offers optional coverage for many unique items, such as an ornamental fountain, solar hot water system, and solar pool/spa equipment. This will cost you between $30 to $175, which is within the industry average's range.

The deductible for a service call is $75, which is in line with the industry. HomeGuard HomeWarranty provides high limits of $500 to $5,000, which is very attractive. For example, the best home warranty company operating in Arizona and California—Total Home Protection—limits its coverage up to $500. Please note that prices, including service fees, may vary by state.

Summary of plans and coverage:
+ more plans
Coverage Term
Service Call Fee
Items
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Premium Amount
$580.00
$600.00
$380.00
$30.00 - $170.00
 
Coverage
$500.00 - $5,000.00
73%
78%
73%
21%
Coverage details
Air conditioner
-
$70.00
Details
Covered by HH
  • Refrigeration system including heat pump
  • Condensing unit
  • Compressor
  • Coils
  • Leaks in Freon lines
  • Liquid and suction line dryers
  • Motors
  • Fuses
  • Breakers
  • Disconnect boxes and wiring
  • Valves
  • Thermostats,
  • Evaporative cooler including belts and pulleys, casing, motor pumps, and float assembly
  • Built-in electric wall units
  • Filters
  • Register grills
  • Use of crane
  • Window units
Not Covered by HH
  • Condenser casings
  • Gas air conditioners
  • Underground or outside piping and components for geo-thermal and/or water source heat pumps
  • Zoning systems
  • Humidifiers
  • Cooler pads
  • Roof jacks or stands
  • Systems designed for commercial applications or units over 5 tons
  • Smart vents
Attic fans
-
Details
Covered by HH
  • All components and parts that affect operation (replaced with builder’s standard), whole
  • house fans
Not Covered by HH
  • Light kits
  • Remote transmitter
  • Dryer vent booster fans
Ceiling fan
-
Details
Covered by HH
  • All components and parts that affect operation (replaced with builder’s standard), whole
  • house fans
Not Covered by HH
  • Light kits
  • Remote transmitter
  • Dryer vent booster fans
Cooktop exhaust fan
-
Details
Covered by HH
  • All components and parts that affect operation (replaced with builder’s standard), whole house fans
Not Covered by HH
  • Light kits
  • Remote transmitter
  • Dryer vent booster fans
Dishwasher
-
Details
Covered by HH
  • All components and parts that affect operation except those listed below
  • Racks, rollers, baskets (only if Advantage Plan or Total Protection Plan purchased)
Not Covered by HH
  • Racks, rollers, baskets
Disposal
-
Details
Covered by HH
  • All components and parts that affect operation
Not Covered by HH
No Info
Doorbell
-
Details
Covered by HH
  • Doorbells (not related to intercom system)
Not Covered by HH
  • Wireless doorbell systems
Ductwork
$1,000.00
Details
Covered by HH
  • Disconnected ducts from heating and/or cooling unit to connection register or grill
Not Covered by HH
  • Registers
  • Grills
  • Dampers
  • Insulation
  • Improperly sized ductwork
  • Collapsed or crushed ductwork
  • Ductwork where asbestos is present
  • Ductwork damaged by moisture
  • Costs for inspections, diagnostic testing, fans, verification and permits as required by federal, state, or local law, regulation or ordinance
  • Deterioration
  • UV lighting
Electrical
-
Details
Covered by HH
  • Circuit breakers including ground fault
  • Junction boxes
  • Panels and sub panels
  • Plugs
  • Switches and fuses
  • Telephone wiring
  • Doorbells (not related to intercom system)
  • Smoke detectors
Not Covered by HH
  • Fixtures
  • Alarms
  • Intercoms
  • Inadequate wiring capacity
  • Power failure or surge
  • Low voltage wiring
  • Sensor
  • Relay
  • Timed circuits
  • Wiring that is the property of the phone company
  • Direct current (D.C.)
  • Wiring or components
  • Wireless doorbell systems
Food center
-
Details
Covered by HH
  • All components and parts that affect operation
Not Covered by HH
  • Any removable accessories
Garage door
-
Details
Covered by HH
  • Wiring
  • Motor
  • Switches
  • Receiver unit
  • Track drive assembly
  • Carriage
  • Capacitor
  • Push arm
  • Key pads
  • Hinges (only if Advantage Plan or Total Protection Plan purchased)
  • Springs, and remote transmitters (only if Advantage Plan or Total Protection Plan purchased)
  • Sensors (only if Advantage Plan or Total Protection Plan purchased)
  • Roller guides (only if Advantage Plan or Total Protection Plan purchased)
Not Covered by HH
  • Garage doors
  • Hinges
  • Springs
  • Remote transmitter
  • Rollers-guides
  • Sensor adjustments
Heating system
$1,500.00
Details
Covered by HH
  • All parts and components that affect the operation of the heating unit
  • Register (only if Advantage Plan or Total Protection Plan purchased)
  • Grills (only if Advantage Plan or Total Protection Plan purchased)
  • Filters (only if Advantage Plan or Total Protection Plan purchased)
  • Heat lamps (only if Advantage Plan or Total Protection Plan purchased)
  • Replacement of flues and vents, if required, to effect repair/replacement of a covered claim (only if Total Protection Plan purchased)
Not Covered by HH
  • Solar heating systems
  • Cable heat (in ceilings and floors) geo-thermal systems
  • Glycol
  • Polaris systems
  • Portable and freestanding units
  • Humidifiers and electronic air cleaners
  • Dampers
  • Zoning systems
  • Fuel storage tanks
  • Registers and grills
  • Filters
  • Heat lamps
  • Fireplace inserts and key valves
  • Insulation
  • Ductwork where asbestos is present
  • Clocks
  • Timers
  • Underground or outside components and piping
  • Well pumps and well pump components for geo-thermal and/or water source heat pumps
  • Baseboard casings
  • Chimneys
  • Flues and vents
  • Crane
  • Wood or pellet stoves (even if only source of heating)
  • Inaccessible refrigerant and condensate drain lines
  • heat pumps only covered with buyer’s central air conditioning
  • Systems designed for commercial applications or units over 5 tons
  • Improperly matched units
  • Diagnostic testing of or locating leaks in ductwork including as required by any federal, state or local regulation, or when required due to the installation or replacement of system equipment
  • Mini-split ductless systems
  • Smart vents
Microwave
-
Details
Covered by HH
  • All components and parts that affect operation
  • Interior lining (only if Advantage Plan or Total Protection Plan purchased)
  • Door glass (only if Advantage Plan or Total Protection Plan purchased)
  • Clock (only if Advantage Plan or Total Protection Plan purchased)
  • Shelves (only if Advantage Plan or Total Protection Plan purchased)
Not Covered by HH
  • Portable or countertop units
  • Meat probe assemblies
  • Rotisseries
  • Interior lining
  • Door glass
  • Clock
  • Shelves
  • Removable trays
  • Lights
  • Handles
Oven
-
Details
Covered by HH
  • All components and parts that affect operation
  • Rotisseries (only if Advantage Plan or Total Protection Plan purchased)
  • Racks (only if Advantage Plan or Total Protection Plan purchased)
  • Handles (only if Advantage Plan or Total Protection Plan purchased)
  • Knobs (only if Advantage Plan or Total Protection Plan purchased)
  • Dials (only if Advantage Plan or Total Protection Plan purchased)
  • Interior lining (only if Advantage Plan or Total Protection Plan purchased)
  • Clock (only if Advantage Plan or Total Protection Plan purchased)
Not Covered by HH
  • Meat probe assemblies
  • Light sockets
  • Indoor barbecue, clock (unless it affects the operation of the unit)
  • Rotisseries
  • Racks
  • Handles
  • Knobs
  • Dials
  • Interior lining
  • Magnetic induction units
Plumbing
-
Details
Covered by HH
  • Repair of leaks and breaks in water, waste, polybutylene pipes, vent, or gas lines within the perimeter of the main foundation of the home or garage
  • Shower/tub valves (replaced with chrome builder’s
  • standard)
  • Angle stops
  • Gate valves
  • Toilet tanks
  • Bowls, and working mechanisms (replacement toilets will be white builder’s standard)
  • Wax ring seals
  • Permanently installed sump pumps
  • Built in whirlpool bathtub motor pump assemblies
  • Pressure regulators
  • Pop-up assemblies
  • Risers and gate valves
  • Ice-maker water line
  • Air switches
  • Hydrojetting (if drain line stoppage is unable to be cleared with sewer cable)
  • Tub diverter valves
  • Pressure regulators
  • Faucets, showerheads and shower arms, (replaced with chrome builder’s standard when necessary) (only if Advantage Plan or Total Protection Plan purchased)
  • Hose bibs (only if Advantage Plan or Total Protection Plan purchased)
  • Toilets (replaced with like quality up to $600.00 per occurrence) (only if Advantage Plan or Total Protection Plan purchased)
  • In the event of sediment/calcium build-up, toilet will be replaced with a like quality toilet (only if Total Protection Plan purchased)
  • Sink and Bathtub basket strainers, tub-spouts (replaced with chrome builder’s standard) (only if Total Protection Plan purchased)
  • Gas sediment trap (only if Total Protection Plan purchased)
  • Sink pop-up assembly (only if Total Protection Plan purchased)
Not Covered by HH
  • Stoppages and/or collapse of water/drain/gas lines caused by roots
  • Faucets
  • Bathtubs
  • Sinks
  • Basket strainers
  • Shower heads and arms
  • Enclosures and base pans
  • Caulking and grouting
  • Hose bibs
  • Sewer ejector pumps
  • Toilet seats and lids
  • Septic tanks
  • Water conditioning or purification systems
  • Supply or flow restrictions
  • Saunas
  • Steam rooms
  • Bidet
  • Whirlpool bathtub jet plumbing
  • Indoor/outdoor sprinkler systems
  • Booster pumps
  • Conditions caused by electrolysis
  • Frozen pipes
  • Noise
  • Diesel or oil-fired water heaters
  • Phoenix systems
  • Stoppages that cannot be cleared with a standard sewer cable or hydro-jetting
  • Water heat pump attachment
  • Basket strainer
  • Tub spout and tub spout diverter
  • Fire suppression systems
Plumbing stoppages
-
Details
Covered by HH
  • Clearing of sewer lines and mainline stoppages with standard sewer cable to 125 feet from point of access at existing ground level cleanout, including hydro-jetting if stoppage is unable to be cleared with cable
  • Clearing of branch drain line stoppages in sink, tub, shower drains and toilets with standard sewer cable from point of access, including existing accessible cleanout, p-trap, drain or overflow access point
  • Removal of toilet or other access if needed to clear a stoppage, including costs to install a ground level cleanout (up to $250.00 maximum per contract, only if Total Protection Plan purchased)
  • Stoppages due to roots (up to $250.00 maximum per contract, only if Total Protection Plan purchased)
Not Covered by HH
  • Stoppages and/or collapse of water, drain, or gas lines caused by roots or foreign objects
  • Access to drain, sewer or main lines from vent or removal of a toilet
  • Costs to locate, access, or install ground level or drain line cleanouts
Sump pump
-
Details
Covered by HH
No Info
Not Covered by HH
No Info
Toilet
-
Details
Covered by HH
  • Toilet tanks
  • Bowls, and working mechanisms (replacement toilets will be white builder’s standard)
  • Wax ring seals
  • Toilets (replaced with like quality up to $600.00 per occurrence) (only if Advantage Plan or Total Protection Plan purchased)
  • In the event of sediment/calcium build-up, toilet will be replaced with a like quality toilet (only if Total Protection Plan purchased)
Not Covered by HH
  • Toilet seats and lids
Trash compactor
-
Details
Covered by HH
  • All components and parts that affect operation
  • Removable buckets (only if Advantage Plan or Total Protection Plan purchased)
Not Covered by HH
  • Removable buckets
  • Lock and key assemblies
  • Air fresheners
Vacuum
-
Details
Covered by HH
  • All parts and components that affect operation
Not Covered by HH
  • Removable hoses
  • Accessories
  • Pipes
  • Stoppages
  • Vents
  • Gaining access to or closing access from the floor, walls, or ceiling either to locate the cause of the malfunction or to effect repair or replacement
Water dispenser
-
Details
Covered by HH
  • All components and parts (replaced with builder’s standard)
Not Covered by HH
No Info
Water heater
-
Details
Covered by HH
  • Control thermostat and thermocouple
  • Drain valve
  • Tank leaks
  • Gas valve
  • Heating elements
  • Temperature and pressure relief valves
  • Tankless hot water heaters
  • Recirculating pumps
  • Expansion tanks
  • Failures caused by sediment, expansion tanks (only if Advantage Plan or Total Protection Plan purchased)
  • Replacement of flues and vents, if required, to effect repair/replacement of a covered claim (only if Total Protection Plan purchased)
Not Covered by HH
  • Solar units and/or components
  • Holding tanks
  • Noise
  • Energy conservation units
  • Fuel storage tanks
  • Flues and vents
  • Failures caused by sediment
Pool
-
$170.00
Details
Covered by HH
  • Above ground and accessible working parts and components of heating and filtration system
  • Heater
  • Motor
  • Filter
  • Filter timer
  • Diatomaceous filter grid
  • Pump
  • Gaskets
  • Blower
  • Timer
  • Backwash/flush/check valve
  • Pool sweep motor and pump
  • Salt cell
  • Salt water control unit, and flow sensor for the salt water chlorinator
Not Covered by HH
  • Remote control panel and switches
  • Air switches
  • Water chemistry control equipment and materials
  • Disposal filtration mediums
  • Heat pump
  • All cleaning equipment including pop-up heads
  • Turbo valve
  • Pool sweeps (except motor and pump)
  • Liners
  • Structural defects
  • Solar equipment
  • Inaccessible components
  • Jets and fuel storage units
  • Skimmers
  • Underground water/gas/electrical lines
  • Fountains
  • Cosmetic defects
  • Damage due to general lack of maintenance or improper chemical balance
  • Cost of access to make repairs
  • Inaccessible portion of spa jets
  • Touch pads
  • Electronic/computerized controls and/or control panels
  • Retractable covers
  • Lights
Spa
-
$170.00
Details
Covered by HH
  • Above ground and accessible working parts and components of heating and filtration system
  • Heater
  • Motor
  • Filter
  • Filter timer
  • Diatomaceous filter grid
  • Pump
  • Gaskets
  • Blower
  • Timer
  • Backwash/flush/check valve
  • Pool sweep motor and pump
  • Salt cell
  • Salt water control unit, and flow sensor for the salt water chlorinator
Not Covered by HH
  • Remote control panel and switches
  • Air switches
  • Water chemistry control equipment and materials
  • Disposal filtration mediums
  • Heat pump
  • All cleaning equipment including pop-up heads
  • Turbo valve
  • Pool sweeps (except motor and pump)
  • Liners
  • Structural defects
  • Solar equipment
  • Inaccessible components
  • Jets and fuel storage units
  • Skimmers
  • Underground water/gas/electrical lines
  • Fountains
  • Cosmetic defects
  • Damage due to general lack of maintenance or improper chemical balance
  • Cost of access to make repairs
  • Inaccessible portion of spa jets
  • Touch pads
  • Electronic/computerized controls and/or control panels
  • Retractable covers
  • Lights
Well pump
-
$95.00
Details
Covered by HH
  • All parts and components of well pump utilized exclusively for domestic use, pressure pumps
Not Covered by HH
  • Well casings
  • Booster pumps
  • Piping or electrical lines
  • Holding pressure or storage tanks
  • Re-drilling of wells
  • Damage due to lack of water
  • Well pump components for geo-thermal and/or water source heat pumps
  • Tampering, improper installation or mineral deposit build up
  • Access to repair well pump system
  • Damage due to low water table
Washer
-
$75.00
Details
Covered by HH
  • All parts and components affecting the washer
Not Covered by HH
  • Plastic mini tubs
  • Soap dispensers
  • Filter screens
  • Knobs and dials
  • Touchpads
  • Drawers
  • Damage to clothes
Dryer
-
$75.00
Details
Covered by HH
  • All parts and components
Not Covered by HH
  • Venting
  • Dryer vent booster fans
  • Lint screens
  • Knobs and dials
  • Touch-pads
  • Dryer cabinet fragrance/humidity center
  • Hangers
  • Shelves
  • Rods hooks
  • Cabinet liner
  • Damage to clothing
  • Racks
  • Drawers
Water softener
$500.00
$70.00
Details
Covered by HH
  • Water Softener/ Reverse Osmosis (RO) system for drinking water and their respective equipment
Not Covered by HH
  • Leased or rented units
  • Any and all treatment, purification, odor control, iron filtration components and systems
  • Discharge drywells
  • Resin bed replacement
  • Salt
  • Replacement of filters
  • Water filters, pre-filters, filter components
  • Replacement membranes
  • Water purification systems
  • RO filtration system for pool/spa
Pump
-
$70.00
Details
Covered by HH
  • Pump utilized for main dwelling only. Domestic use only.
Not Covered by HH
  • Control Boxes
  • Pressure switches
  • Capacitors or relays
  • Cost of locating pump
Refrigerator
$5,000.00
$50.00
Details
Covered by HH
  • All parts and components located and operated in the kitchen area that affect operation
  • Icemakers (only if Advantage Plan or Total Protection Plan purchased)
Not Covered by HH
  • Handles
  • Lights
  • Ice makers
  • Ice crushers
  • Beverage dispensers and their respective equipment
  • Interior thermal shells
  • Filters
  • Removable components
  • Food spoilage
  • Stand alone freezers and refrigerators located outside kitchen area
Wine refrigerator
$1,500.00
$40.00
Details
Covered by HH
  • All components that affect the cooling operation of the unit including compressor, thermostat, condenser coil, evaporator and defrost system
Not Covered by HH
  • Ice maker
  • Ice crusher
  • Beverage dispenser and their respective equipment
  • Filter
  • Interior thermal shells
  • Food spoilage
  • Insulation
  • Multi-media centers
  • Wine vaults
  • Cost of recapture or disposal of refrigerant
  • Refrigerator/oven combination units
  • Removable components which do not affect the primary function
  • Detachable components
  • Baskets
  • Buckets
  • Dials
  • Knobs
  • Handles
  • Door glass
  • Lights
  • Light sockets
  • Light switches
  • Pans
  • Trays,
  • Rollers
  • Racks
  • Shelves
  • Runner guards
  • Interior lining
  • Trim kits
  • Vents
  • Flues
  • Drawers
Stand-alone freezer
$1,500.00
$40.00
Details
Covered by HH
  • All components that affect the cooling operation of the unit including compressor, thermostat, condenser coil, evaporator and defrost system
  • Icemakers (only if Advantage Plan or Total Protection Plan purchased)
Not Covered by HH
  • Ice maker
  • Ice crusher
  • Beverage dispenser and their respective equipment
  • Filter
  • Interior thermal shells
  • Food spoilage
  • Insulation
  • Multi-media centers
  • Wine vaults
  • Cost of recapture or disposal of refrigerant
  • Refrigerator/oven combination units
  • Removable components which do not affect the primary function
  • Detachable components
  • Baskets
  • Buckets
  • Dials
  • Knobs
  • Handles
  • Door glass
  • Lights
  • Light sockets
  • Light switches
  • Pans
  • Trays,
  • Rollers
  • Racks
  • Shelves
  • Runner guards
  • Interior lining
  • Trim kits
  • Vents
  • Flues
  • Drawers
Septic tank pumping
$500.00
$30.00
Details
Covered by HH
  • If a stoppage is due to a septic tank back-up, we will pump the specific tank (and dispose of waste) one time during the contract term
Not Covered by HH
  • Collapsed or broken waste lines outside the main foundation
  • Stoppages or roots that prevent the effective use of an externally applied sewer cable
  • The cost of finding or gaining access to the septic tank
  • The cost of sewage hook-ups, disposal of waste, chemical treatment of the septic tank and/or waste lines
  • Tanks
  • Leach lines
  • Cesspools
  • Mechanical pumps or ejectors
  • Seepage pits
  • Stoppage or damage due to roots
  • Tile fields and leach beds
  • Lateral lines
  • Insufficient capacity
  • Level sensors/ switches
  • Control panels
  • Associated electrical lines
Premium Amount
Platinum Combo Plan
73%
$580.00
Platinum Combo Plan
78%
$600.00
Silver Combo Plan
73%
$380.00
Gold Combo Plan
73%
$455.00
Gold Combo Plan
78%
$505.00
COVERAGE DETAILS
Air conditioner
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
$70.00
Expand
Covered by HH
  • Refrigeration system including heat pump
  • Condensing unit
  • Compressor
  • Coils
  • Leaks in Freon lines
  • Liquid and suction line dryers
  • Motors
  • Fuses
  • Breakers
  • Disconnect boxes and wiring
  • Valves
  • Thermostats,
  • Evaporative cooler including belts and pulleys, casing, motor pumps, and float assembly
  • Built-in electric wall units
  • Filters
  • Register grills
  • Use of crane
  • Window units
Not Covered by HH
  • Condenser casings
  • Gas air conditioners
  • Underground or outside piping and components for geo-thermal and/or water source heat pumps
  • Zoning systems
  • Humidifiers
  • Cooler pads
  • Roof jacks or stands
  • Systems designed for commercial applications or units over 5 tons
  • Smart vents
Attic fans
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • All components and parts that affect operation (replaced with builder’s standard), whole
  • house fans
Not Covered by HH
  • Light kits
  • Remote transmitter
  • Dryer vent booster fans
Ceiling fan
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • All components and parts that affect operation (replaced with builder’s standard), whole
  • house fans
Not Covered by HH
  • Light kits
  • Remote transmitter
  • Dryer vent booster fans
Cooktop exhaust fan
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • All components and parts that affect operation (replaced with builder’s standard), whole house fans
Not Covered by HH
  • Light kits
  • Remote transmitter
  • Dryer vent booster fans
Dishwasher
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • All components and parts that affect operation except those listed below
  • Racks, rollers, baskets (only if Advantage Plan or Total Protection Plan purchased)
Not Covered by HH
  • Racks, rollers, baskets
Disposal
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • All components and parts that affect operation
Not Covered by HH
No Info
Doorbell
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • Doorbells (not related to intercom system)
Not Covered by HH
  • Wireless doorbell systems
Ductwork
Expand
Limit
$1,000.00
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • Disconnected ducts from heating and/or cooling unit to connection register or grill
Not Covered by HH
  • Registers
  • Grills
  • Dampers
  • Insulation
  • Improperly sized ductwork
  • Collapsed or crushed ductwork
  • Ductwork where asbestos is present
  • Ductwork damaged by moisture
  • Costs for inspections, diagnostic testing, fans, verification and permits as required by federal, state, or local law, regulation or ordinance
  • Deterioration
  • UV lighting
Electrical
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • Circuit breakers including ground fault
  • Junction boxes
  • Panels and sub panels
  • Plugs
  • Switches and fuses
  • Telephone wiring
  • Doorbells (not related to intercom system)
  • Smoke detectors
Not Covered by HH
  • Fixtures
  • Alarms
  • Intercoms
  • Inadequate wiring capacity
  • Power failure or surge
  • Low voltage wiring
  • Sensor
  • Relay
  • Timed circuits
  • Wiring that is the property of the phone company
  • Direct current (D.C.)
  • Wiring or components
  • Wireless doorbell systems
Food center
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • All components and parts that affect operation
Not Covered by HH
  • Any removable accessories
Garage door
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • Wiring
  • Motor
  • Switches
  • Receiver unit
  • Track drive assembly
  • Carriage
  • Capacitor
  • Push arm
  • Key pads
  • Hinges (only if Advantage Plan or Total Protection Plan purchased)
  • Springs, and remote transmitters (only if Advantage Plan or Total Protection Plan purchased)
  • Sensors (only if Advantage Plan or Total Protection Plan purchased)
  • Roller guides (only if Advantage Plan or Total Protection Plan purchased)
Not Covered by HH
  • Garage doors
  • Hinges
  • Springs
  • Remote transmitter
  • Rollers-guides
  • Sensor adjustments
Heating system
Expand
Limit
$1,500.00
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • All parts and components that affect the operation of the heating unit
  • Register (only if Advantage Plan or Total Protection Plan purchased)
  • Grills (only if Advantage Plan or Total Protection Plan purchased)
  • Filters (only if Advantage Plan or Total Protection Plan purchased)
  • Heat lamps (only if Advantage Plan or Total Protection Plan purchased)
  • Replacement of flues and vents, if required, to effect repair/replacement of a covered claim (only if Total Protection Plan purchased)
Not Covered by HH
  • Solar heating systems
  • Cable heat (in ceilings and floors) geo-thermal systems
  • Glycol
  • Polaris systems
  • Portable and freestanding units
  • Humidifiers and electronic air cleaners
  • Dampers
  • Zoning systems
  • Fuel storage tanks
  • Registers and grills
  • Filters
  • Heat lamps
  • Fireplace inserts and key valves
  • Insulation
  • Ductwork where asbestos is present
  • Clocks
  • Timers
  • Underground or outside components and piping
  • Well pumps and well pump components for geo-thermal and/or water source heat pumps
  • Baseboard casings
  • Chimneys
  • Flues and vents
  • Crane
  • Wood or pellet stoves (even if only source of heating)
  • Inaccessible refrigerant and condensate drain lines
  • heat pumps only covered with buyer’s central air conditioning
  • Systems designed for commercial applications or units over 5 tons
  • Improperly matched units
  • Diagnostic testing of or locating leaks in ductwork including as required by any federal, state or local regulation, or when required due to the installation or replacement of system equipment
  • Mini-split ductless systems
  • Smart vents
Microwave
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • All components and parts that affect operation
  • Interior lining (only if Advantage Plan or Total Protection Plan purchased)
  • Door glass (only if Advantage Plan or Total Protection Plan purchased)
  • Clock (only if Advantage Plan or Total Protection Plan purchased)
  • Shelves (only if Advantage Plan or Total Protection Plan purchased)
Not Covered by HH
  • Portable or countertop units
  • Meat probe assemblies
  • Rotisseries
  • Interior lining
  • Door glass
  • Clock
  • Shelves
  • Removable trays
  • Lights
  • Handles
Oven
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • All components and parts that affect operation
  • Rotisseries (only if Advantage Plan or Total Protection Plan purchased)
  • Racks (only if Advantage Plan or Total Protection Plan purchased)
  • Handles (only if Advantage Plan or Total Protection Plan purchased)
  • Knobs (only if Advantage Plan or Total Protection Plan purchased)
  • Dials (only if Advantage Plan or Total Protection Plan purchased)
  • Interior lining (only if Advantage Plan or Total Protection Plan purchased)
  • Clock (only if Advantage Plan or Total Protection Plan purchased)
Not Covered by HH
  • Meat probe assemblies
  • Light sockets
  • Indoor barbecue, clock (unless it affects the operation of the unit)
  • Rotisseries
  • Racks
  • Handles
  • Knobs
  • Dials
  • Interior lining
  • Magnetic induction units
Plumbing
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • Repair of leaks and breaks in water, waste, polybutylene pipes, vent, or gas lines within the perimeter of the main foundation of the home or garage
  • Shower/tub valves (replaced with chrome builder’s
  • standard)
  • Angle stops
  • Gate valves
  • Toilet tanks
  • Bowls, and working mechanisms (replacement toilets will be white builder’s standard)
  • Wax ring seals
  • Permanently installed sump pumps
  • Built in whirlpool bathtub motor pump assemblies
  • Pressure regulators
  • Pop-up assemblies
  • Risers and gate valves
  • Ice-maker water line
  • Air switches
  • Hydrojetting (if drain line stoppage is unable to be cleared with sewer cable)
  • Tub diverter valves
  • Pressure regulators
  • Faucets, showerheads and shower arms, (replaced with chrome builder’s standard when necessary) (only if Advantage Plan or Total Protection Plan purchased)
  • Hose bibs (only if Advantage Plan or Total Protection Plan purchased)
  • Toilets (replaced with like quality up to $600.00 per occurrence) (only if Advantage Plan or Total Protection Plan purchased)
  • In the event of sediment/calcium build-up, toilet will be replaced with a like quality toilet (only if Total Protection Plan purchased)
  • Sink and Bathtub basket strainers, tub-spouts (replaced with chrome builder’s standard) (only if Total Protection Plan purchased)
  • Gas sediment trap (only if Total Protection Plan purchased)
  • Sink pop-up assembly (only if Total Protection Plan purchased)
Not Covered by HH
  • Stoppages and/or collapse of water/drain/gas lines caused by roots
  • Faucets
  • Bathtubs
  • Sinks
  • Basket strainers
  • Shower heads and arms
  • Enclosures and base pans
  • Caulking and grouting
  • Hose bibs
  • Sewer ejector pumps
  • Toilet seats and lids
  • Septic tanks
  • Water conditioning or purification systems
  • Supply or flow restrictions
  • Saunas
  • Steam rooms
  • Bidet
  • Whirlpool bathtub jet plumbing
  • Indoor/outdoor sprinkler systems
  • Booster pumps
  • Conditions caused by electrolysis
  • Frozen pipes
  • Noise
  • Diesel or oil-fired water heaters
  • Phoenix systems
  • Stoppages that cannot be cleared with a standard sewer cable or hydro-jetting
  • Water heat pump attachment
  • Basket strainer
  • Tub spout and tub spout diverter
  • Fire suppression systems
Plumbing stoppages
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • Clearing of sewer lines and mainline stoppages with standard sewer cable to 125 feet from point of access at existing ground level cleanout, including hydro-jetting if stoppage is unable to be cleared with cable
  • Clearing of branch drain line stoppages in sink, tub, shower drains and toilets with standard sewer cable from point of access, including existing accessible cleanout, p-trap, drain or overflow access point
  • Removal of toilet or other access if needed to clear a stoppage, including costs to install a ground level cleanout (up to $250.00 maximum per contract, only if Total Protection Plan purchased)
  • Stoppages due to roots (up to $250.00 maximum per contract, only if Total Protection Plan purchased)
Not Covered by HH
  • Stoppages and/or collapse of water, drain, or gas lines caused by roots or foreign objects
  • Access to drain, sewer or main lines from vent or removal of a toilet
  • Costs to locate, access, or install ground level or drain line cleanouts
Sump pump
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
No Info
Not Covered by HH
No Info
Toilet
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • Toilet tanks
  • Bowls, and working mechanisms (replacement toilets will be white builder’s standard)
  • Wax ring seals
  • Toilets (replaced with like quality up to $600.00 per occurrence) (only if Advantage Plan or Total Protection Plan purchased)
  • In the event of sediment/calcium build-up, toilet will be replaced with a like quality toilet (only if Total Protection Plan purchased)
Not Covered by HH
  • Toilet seats and lids
Trash compactor
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • All components and parts that affect operation
  • Removable buckets (only if Advantage Plan or Total Protection Plan purchased)
Not Covered by HH
  • Removable buckets
  • Lock and key assemblies
  • Air fresheners
Vacuum
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • All parts and components that affect operation
Not Covered by HH
  • Removable hoses
  • Accessories
  • Pipes
  • Stoppages
  • Vents
  • Gaining access to or closing access from the floor, walls, or ceiling either to locate the cause of the malfunction or to effect repair or replacement
Water dispenser
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • All components and parts (replaced with builder’s standard)
Not Covered by HH
No Info
Water heater
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
Expand
Covered by HH
  • Control thermostat and thermocouple
  • Drain valve
  • Tank leaks
  • Gas valve
  • Heating elements
  • Temperature and pressure relief valves
  • Tankless hot water heaters
  • Recirculating pumps
  • Expansion tanks
  • Failures caused by sediment, expansion tanks (only if Advantage Plan or Total Protection Plan purchased)
  • Replacement of flues and vents, if required, to effect repair/replacement of a covered claim (only if Total Protection Plan purchased)
Not Covered by HH
  • Solar units and/or components
  • Holding tanks
  • Noise
  • Energy conservation units
  • Fuel storage tanks
  • Flues and vents
  • Failures caused by sediment
Pool
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
$170.00
Expand
Covered by HH
  • Above ground and accessible working parts and components of heating and filtration system
  • Heater
  • Motor
  • Filter
  • Filter timer
  • Diatomaceous filter grid
  • Pump
  • Gaskets
  • Blower
  • Timer
  • Backwash/flush/check valve
  • Pool sweep motor and pump
  • Salt cell
  • Salt water control unit, and flow sensor for the salt water chlorinator
Not Covered by HH
  • Remote control panel and switches
  • Air switches
  • Water chemistry control equipment and materials
  • Disposal filtration mediums
  • Heat pump
  • All cleaning equipment including pop-up heads
  • Turbo valve
  • Pool sweeps (except motor and pump)
  • Liners
  • Structural defects
  • Solar equipment
  • Inaccessible components
  • Jets and fuel storage units
  • Skimmers
  • Underground water/gas/electrical lines
  • Fountains
  • Cosmetic defects
  • Damage due to general lack of maintenance or improper chemical balance
  • Cost of access to make repairs
  • Inaccessible portion of spa jets
  • Touch pads
  • Electronic/computerized controls and/or control panels
  • Retractable covers
  • Lights
Spa
Expand
Limit
Platinum Combo Plan
Platinum Combo Plan
Silver Combo Plan
Gold Combo Plan
Gold Combo Plan
Optional Coverage
$170.00
Expand
Covered by HH
  • Above ground and accessible working parts and components of heating and filtration system
  • Heater
  • Motor
  • Filter
  • Filter timer
  • Diatomaceous filter grid
  • Pump
  • Gaskets
  • Blower
  • Timer
  • Backwash/flush/check valve
  • Pool sweep motor and pump
  • Salt cell
  • Salt water control unit, and flow sensor for the salt water chlorinator
Not Covered by HH