Does a home warranty cover appliances?
Yes, a home warranty covers many of your home’s major appliances. From ovens to refrigerators and dishwashers, a home warranty can reduce the costs of appliance breakdowns. But which appliances do home warranties cover, and what do you need to do to assure that coverage? Today, we’ll look at four important topics about how a home warranty covers your appliances.
- How coverage works for appliances in your home
- The types of appliances that may not be covered under a home warranty
- Making sure your home warranty covers your appliances
- Submitting a claim for appliance repair or replacement
How coverage works for appliances in your home
First, let’s talk about what a home warranty from 2-10 Home Buyers Warranty (2-10 HBW) is, since each warranty company offers different coverage. A home warranty is an annual service contract that helps offset the cost of repairing or replacing your home’s major appliances and major systems. It’s much more comprehensive than an extended warranty.
When an appliance like your refrigerator breaks down, it can be expensive and inconvenient to address. In fact, it costs around $1,250 to replace a refrigerator and $340 to repair it, on average (based on the estimated average retail cost of replacement and observed claims experiences of 2-10 HBW customers). When you purchase a protection plan from a trustworthy warranty company like 2-10 HBW, you can lower those costs.
A home warranty can reduce those upfront out-of-pocket costs to a much lower Service Fee. A home warranty also connects you with local, qualified, independent Service Contractors to diagnose and address appliance breakdowns.
Which appliances does a home warranty from 2-10 HBW cover?
A home warranty plan from 2-10 HBW can cover many appliances. Here are some of the major appliances a home warranty covers:
- Built-in microwave
- Oven and cooktop (both gas and electric)
You can also purchase additional options, such as coverage for your washer and dryer. But you might notice that kitchen appliances represent a big share of what a home warranty company can cover.
Other items that your home warranty plan from 2-10 HBW can cover include the following:
- HVAC system (heating, air conditioning)
- Plumbing system
- Electrical system
- Water heater
- Garage door opener
- Garbage disposal
The types of appliances that may not be covered under a home warranty
Though warranty coverage protects many appliances, it isn’t all inclusive. Many of your kitchen’s free-standing appliances—the ones that are smaller and not built in to your kitchen—typically don’t fall under your warranty contract.
Here’s a fairly comprehensive list of things that a home warranty from 2-10 HBW doesn’t cover.
- Specialty countertop appliances, such as a panini maker, waffle maker, or omelet maker
- Juicers, blenders, or food processors
- Water filtration systems or water softeners
- Vacuum sealers or food savers
- Popcorn makers
- Meat grinders
- Electric blenders or immersion blenders
- Electric can openers
- Crockpots or pressure cookers
- Pasta makers
- Coffee machines
- Crepe makers
The great thing about coverage from a warranty provider like 2-10 HBW is that coverage, limits, and exclusions are easy to find on your Service Agreement. So, when in doubt, you can check your Service Agreement to see whether you’re covered.
How to make sure your appliances are covered under your home warranty
There are three ways to make sure your home warranty covers your appliances.
- Check your Home Warranty Service Agreement.
- Maintain your appliances well.
- Understand the difference between a home warranty and homeowners insurance.
Check your Home Warranty Service Agreement
As and after you purchase a home warranty, it’s always a good idea to confirm what the warranty plan covers. When you choose 2-10 HBW to cover your home, you’ll get a Service Agreement that’s transparent and easy to understand. It’ll show you what coverage you have, what your limits are, and which items may be excluded. Additionally, we provide you the chance to purchase optional coverage, such as for roof leaks.
Maintain your appliances well
To get the most out of your home warranty, you must maintain your appliances well. This doesn’t mean you need to become an expert in appliance maintenance! But you should commit to some fairly simple maintenance. For example, you can drain your water heater yearly, change your HVAC system’s air filters regularly, or simply clean your oven.
There are two good reasons to maintain your appliances. First, maintaining your appliances can lengthen their life and keep them running smoothly. Second, maintenance is required for your home warranty to apply. If an appliance breaks down from neglect, your home warranty may not apply.
Understand the difference between a home warranty and homeowners insurance
Though a home warranty covers many routine breakdowns, there are some breakdowns a home warranty won’t cover. For example, if your refrigerator broke down due to a house fire, your home warranty wouldn’t cover it. Instead, you’d contact your homeowners insurance company such instances. This is a big reason why you should have both a home warranty and homeowners insurance.
How to submit a claim for appliance repair or replacement
If you have a covered appliance in need of a repair, filing your claim with 2-10 HBW is easy. However, it’s important to know that you can’t make claims on appliances that broke down before you purchased your home warranty. So, if you recently purchased a home warranty but your refrigerator broke down a week prior to purchase, coverage would not apply.
When an appliance breaks down and you have a home warranty, it’s best to submit your claim right away. You can submit your claim online through Homeowner Portal or call 2-10 HBW. We’ll work as quickly as we can to set you up with a qualified independent Service Contractor.
The Service Contractor will then schedule a time with you for service. You’ll pay the Service Contractor a small Service Fee, which is far cheaper than most if not all repair or replacement costs. The Service Contractor will then diagnose and address the problem.
2-10 HBW offers the most comprehensive home warranty coverage for homeowners. Let us help you protect your home.