Does a home warranty cover electrical issues?
Yes, in many cases, a home warranty from 2-10 Home Buyers Warranty (2-10 HBW) covers electrical issues in your home. To give you a better understanding of the home warranty coverage available for your home’s electrical system, this article will look at the following:
- What a home warranty is
- Which electrical issues a home warranty from 2-10 HBW can cover
- Electrical components your home warranty may not cover
- How to compare home warranty plans
- Ways to confirm what your home warranty plan covers
What is a home warranty?
A home warranty is a service contract that helps you save time and money when a covered major home system or appliance breaks down from normal wear and tear. A home warranty plan from 2-10 HBW is an affordable annual plan for both newly constructed homes and older pre-owned homes.
A great part about a home warranty from 2-10 HBW is that it doesn’t matter how old your covered systems and appliances are. As long as they function properly prior to purchasing your home warranty, age doesn’t matter! This applies to your electrical system.
Electrical components covered under a home warranty
Here are the major electrical components a home warranty from 2-10 HBW can cover:
- Electrical wiring
- Panels (breaker boxes)
As with most systems and appliances, you know that the more you use them, the more likely they are to break down. A home warranty from 2-10 HBW helps you quickly find a contractor to address the issue, saving you time, money, and frustration.
So, say your electrical panel (breaker box) malfunctions from routine wear and tear. A home warranty can help you reduce the cost to address the problem with that system. However, if your breaker box malfunctioned because of a natural disaster, like a flood, your homeowners insurance may be able to help. Home warranties cover breakdowns that happen from normal wear and tear.
Of course, if you ever have questions about your coverage, 2-10 HBW can help! We clearly state exactly what we cover, along with any dollar limits and exclusions in coverage. Plus, your service agreement is always available to you for review. And whether you contact us through our always-available online Homeowner Portal or call, one of our friendly representatives can answer any questions you might have, before and during your coverage.
Electrical issues that a home warranty may not cover
In most cases, a home warranty will cover the electrical components in your home’s electrical system, major appliances, and other major or built-in systems. However, there are situations in which an electrical component that is normally covered is deemed ineligible. Let’s look at some common reasons why a home warranty might not cover an electrical issue and what you might be able to do.
Perhaps the most important thing to know about home warranties is the important of proper maintenance. A home warranty covers breakdowns caused by routine wear and tear. This means that you must take care of your home’s systems and appliances for a home warranty to apply. If you don’t take care, or if you purposely abuse systems and appliances, your home warranty may not apply.
For example, if you use your electrical system improperly, such as by consistently overloading it, your home warranty may not cover breakdowns caused by the overload.
Fortunately, you don’t need to be an electrician to do proper maintenance. Oftentimes, using common sense—like using surge protectors and not leaving wiring totally exposed—precisely the kind of maintenance you need to do.
Accidents or acts of God
Unfortunately, accidents and odd occurrences happen. And unfortunately, a home warranty doesn’t cover such problems. So, if a car crashed through your home’s wall and caused an electrical system breakdown, a home warranty wouldn’t apply. Instead, you’d need to contact your homeowners insurance provider.
Likewise, a home warranty doesn’t cover breakdowns caused by natural disasters or “acts of God.” So, if your circuit breaker and/or electrical panel fails due to a lightning strike, power failure, or power surge, then the warranty coverage may not apply. Instead, when damage to an electrical system is caused by an accident or an “act of God,” you will need to refer to your homeowners insurance policy to see how you are covered.
Systems that were broken before you got coverage
If your electrical system didn’t work properly before you purchased home warranty coverage, that coverage wouldn’t apply retroactively. Your systems must be in good working order prior to purchasing coverage.
2-10 HBW offers the most comprehensive home warranty coverage for homeowners. Let us help you protect your home.