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What is Covered By a Home Warranty?

What does a home warranty cover? Essential appliances and systems from the kitchen to the yard. | SHW Blog

Home warranty coverage helps homeowners save on appliance and system breakdowns. For mechanical issues around the house, it’s important to have home warranty coverage to call on a professional and get the job done.

But what exactly does a home warranty cover and how do they work? 


Give us a call today to get your answers fast and recieve a free quote to compare your options: 860-288-4791


Home Warranty vs Homeowner’s Insurance

Many people get home warranties confused with home insurance. If you’re considering a home warranty or even already have one, it’s essential to know the difference between the two for what home warranties cover:

What is a Home Warranty?

Home warranties are contracts that cover the mechanical wear and tear of home appliances and systems according to your plan. In the case of mechanical mishaps around the home, a home warranty will cover repairs or replacements in accordance with your contract.

What is Home Insurance?

In the case of damaged personal items, such as in a fire or flood, homeowner’s insurance will cover the cost of damages in accordance with your contract. The main difference is that home warranties focus on essential appliances and systems that keep the home functioning, whereas home insurance covers personal possessions you keep in your home.

Taking a closer look, review your terms and conditions for the best resource on everything your home warranty covers. Continue reading for common questions and an overview on each area of your home.

8 Common Home Warranty Coverage Questions

Before reading on for all the areas of the home a home warranty covers, take a look at these common questions we recieve from those seeking coverage:

1. Are sump pumps covered by a home warranty?

Yes, we offer home warranty sump pump coverage. The agreement covers components of the sump pump for ground water, provided the pump is within the foundation of the covered home.

2. Do home warranties cover fireplaces? 

No, Select Home Warranty does not cover fireplaces or chimneys.

3. Are there home warranties for garage doors?

Yes, we offer home warranty coverage on garage doors including the control board, motors, chains, belts and gears, as well as the pulley, sheave fork, axle bolts and switches.

4. Do home warranties cover sprinkler systems?

Yes, we offer home warranty coverage on lawn sprinkler systems including all mechanical components that affect operation.

5. Do home warranties cover pools?

Yes, we offer home warranty coverage on the following pool or spa components, including the pumping system, filtration system and heating system. This Agreement covers both the pool and/or hot tub or spa if they use common equipment. In the event the pool and spa or hot tub do not use the common equipment, then only one will be covered.

6. Will my home warranty cover electric systems?

Yes, we offer home warranty coverage on electrical system components including wiring, service panels, sub-panels, switches, breakers, outlets, junction boxes and ground fault interrupters.

7. Will a home warranty cover my plumbing system?

Yes, we offer home warranty coverage on plumbing system components, including 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 and risers. We also offer coverage on stoppages in drain, vent and sewer lines up to 100 feet from access point, except if caused by roots. Mainline stoppages are only cleared when there is an accessible ground level clean out. We also offer septic system coverage.

8. Do home warranties cover garbage disposals?

Yes, we offer garbage disposal coverage, including all modules, components and parts of the garbage disposal necessary to the functionality of the garbage disposal.


Learn about home warranty coverage on electric systems, heating systems and more. Compare with home insurance and learn about coverage options. | SHW Blog


What Does a Home Warranty Cover?

1. Kitchen Appliances

Since these are assets used every day by families, it’s important to be ready in case of a breakdown. Kitchen appliances will typically last for years, but when they fail, you can incur high costs for a repair or replacement if you don’t have a home warranty.

  • Refrigerator
  • Oven & Cooktop
  • Dishwasher
  • Garbage Disposal
  • Stand Alone Freezer
  • Microwave Oven
  • Plumbing Stoppage

DID YOU KNOW: The average repair cost of a refrigerator can run up to $500?

2. Yard & Outdoor Appliances and Systems

Many important mechanical parts of in-ground pools and spas are covered under some home warranty protection plans, such as the filtration and heating systems. If you take care of your home’s lawn, the sprinkler system can also be covered with a home warranty.

  • Pool or Spa
  • Lawn Sprinkler System
  • Garage Door Opener

DID YOU KNOW: The average repair cost of a pool can run up to $560?

3. Water & Temperature Systems for Living Spaces

One of the most important aspects of your home is the temperature. A home warranty can cover the heating and cooling systems that keep your living spaces comfortable. If you were to experience a breakdown, heating and cooling is often very expensive to repair or replace, but home warranty coverage can help you save.

  • Water Heater
  • Heating System
  • Electrical System
  • Central Vacuum
  • Roof Leaks
  • AC & HVAC System
  • Air Ductwork

DID YOU KNOW: The average repair cost for air conditioning can run up to $1,300?

4. Laundry Room Appliances

Washers and dryers are prone to common mechanical mishaps that happen through daily wear and tear. They’re also tough to fix and require special parts that a service professional should be able to help with. Of course, calling upon a professional for washer and dryer repair can be costly in the absence of home warranty coverage.

  • Washer
  • Dryer

DID YOU KNOW: The average repair cost of a washer can run up to $450?

5. Plumbing Systems

The last thing you want to encounter as a homeowner is a plumbing issue. Home warranties can cover septic systems, plumbing stoppage, sump pumps, and even well pumps. Don’t get your hands dirty trying to solve these mechanical issues when Select Home Warranty coverage can send over a service professional to get the job done.

  • Septic System
  • Well Pump
  • Sump Pump

DID YOU KNOW: The average repair cost for a plumbing system can run up to $800?

How Home Warranties Work

To gain home warranty coverage, first, receive your free quote and detail your needs to us. You can also call us directly at: 860-288-4791.

When signing up online, you will be directed to our Platinum, Gold or Bronze home warranty coverage plans. Your choices will vary between core appliances such as your clothes washer, refrigerator and dishwasher, to core systems including your heating, plumbing and electrical systems. Our Platinum plan provides coverage on all of our listed core appliances and systems.

Be sure to check the optional add-ons if you require coverage for your pool, septic, well pump or others not included in your choice of plan.

Once your home warranty coverage kicks in, don’t hesitate to reach out when you experience a problem.

Here are the three steps to have your appliance or system fixed:

  1. Visit our place a claim page or call us.
  2. We will contact a local licensed service technician to diagnose your problem. The technician will then contact you to set up an appointment.
  3. You will pay a modest service fee on the day of the appointment and the covered repair or replacement will be complete.

Why Buy Home Warranty Coverage?

From your kitchen to your back yard, there are many reasons to seek professional help for managing your mechanical problems. We depend on these appliances and systems to keep our homes in order and to keep our families satisfied.

Select Home Warranty is here to shield both your home and your wallet. Look out for our special offers where we often include discounts, the first month free, and even free coverage on certain parts of your home!


Looking to protect your home with a home warranty? Check out the latest home warranty plans and get your free quote today!