Kitchen Appliances
Ovens, cooktops, dishwashers and built in microwaves that stop working from normal wear.
Home Warranty Coverage
A clear look at the systems and appliances a home warranty plan can name, and the items it leaves out.
What I cover
Coverage Sorted by How Your Home Works
A home warranty plan is a list. My job is to help you read that list against the things you actually own.
Plans tend to split into two groups. Systems are the pipes, wires, heating and cooling that run through the walls. Appliances are the units you use every day in the kitchen and laundry room.
Below I break both groups into six areas, then show what usually sits inside a plan and what stays outside it.
Six areas
Where a Plan Can Step In
Laundry Appliances
A washer that leaks or a dryer that will not spin. Plans often list each unit by name.
Heating & Cooling
Furnaces, heat pumps and central air units, along with the main parts that keep them running.
Electrical
Panels, breakers, switches and outlets, plus the wiring that runs behind your walls.
Plumbing
Supply lines, drain stoppages, valves and running toilets inside the home.
Water Heating
Gas, electric and tankless water heaters that leave you with a cold tap.
Inside and outside
Where the Line Usually Falls
Every plan words this differently, so always check your own terms. This is the pattern I see most often.
Usually Inside a Plan
- Breakdowns from normal everyday use
- Main working parts of listed systems
- Listed kitchen and laundry appliances
- Replacement when a listed unit cannot be fixed
Usually Outside a Plan
- Roofs, foundations and other structure
- Damage from storms, fire or flooding
- Cosmetic marks, dents and scratches
- Problems that started before the plan
Your next move
Get Coverage Lined Up Before the Next Breakdown
Choose a plan that lists your systems and appliances. Signup only needs the basics.
Get StartedCoverage questions
Things People Ask Me About Coverage
New units often still sit under the maker's own warranty. A plan usually picks up once that ends, though your terms set the details.
In many plans the outdoor condenser counts as a main part of the central air system. I always suggest checking how your plan names it.
Drain stoppages inside the home are common on plan lists. Lines running outside the foundation are often left out unless named.
Some plans offer add ons for things like a well pump or a spare freezer. They are covered only once the plan lists them.