What Does a Home Warranty Cover When Buying a House?

What Does a Home Warranty Cover When Buying a House?

In general, a home warranty covers your home’s major systems and appliances when they break down from normal wear and tear. An example of a major system would be your HVAC system. An example of a major appliance would be your refrigerator. However, when working with a home warranty company like 2-10 Home Buyers Warranty (2-10 HBW), you have several choices in home warranty plans. You also have a ton of options so you can personalize for what you need.

Today, we’ll show you why a home warranty matters at all, what a typical home warranty plan covers, and some common misconceptions about home warranties. As a leading home warranty company, we want to help you find the home warranty plan that’s best for you.

Why should you care about a home warranty at all?

When you buy a house, you put in a ton of time, money, and effort. And you’ll likely have a lot working against you in your search.

Because housing inventory is so low, it can take weeks or months just to find an acceptable home in your budget. In fact, 2021 might be one of the toughest years to buy a house. Once you find that home, you’ll likely have to compete with other buyers. It’s likely that you’ll pay more than you anticipated.

But say you find a house you like and win the bidding war. On average, you’ll pay $54,500 in a down payment (if you’re looking for homes on the West Coast, it’s even more).

National median previously-owned-home price: $272,500


20% down payment for conventional mortgage



That’s nearly $55,000 in one lump sum. And that doesn’t include other costs like moving, furnishing, homeowners insurance, property taxes, and upkeep, on top of your normal bills and debts.

Now, in addition to all of that, if a major system or appliance breaks down, it’s your responsibility. And addressing systems and appliances breakdowns can get expensive to do out of pocket.

What if I already own a house?

If you already own a house, then you know how expensive home ownership can be without a breakdown. An unexpected breakdown can make home ownership even more expensive and time consuming. Fortunately, a home warranty plan from a home warranty company like 2-10 HBW can save you time and money. Here’s how:

  1. When a covered item breaks down, you’d file a claim and we’d find you a trustworthy, local contractor in our network.
  2. You’d make an appointment with the contractor and pay a small Service Fee (usually less than $100).
  3. The contractor repairs the problem (or replaces the item if it’s not fixable) and bills 2-10 HBW.

Now that you know why it matters, let’s look at what a typical home warranty covers.

What does a typical home warranty plan cover?

Typically, a home warranty can cover things like your furnace, water heater, refrigerator, and oven.

However, at 2-10 HBW, we think that home warranty companies should give homeowners personalized coverage. That’s why we offer several plans and many additional options for home warranty coverage.

For example, if your house has a new HVAC system but older kitchen appliances, you might only want coverage for your kitchen appliances. We have a plan for that.

Or maybe you want to protect your kitchen appliances, your water heater, your HVAC system, and your washer and dryer. We have a plan and options that let you do that.

From minimal to maximum coverage, 2-10 HBW is a home warranty company that wants you to personalize your plan. No one knows your needs better than you. 2-10 HBW can help you find the home warranty coverage for your needs.

Common misconceptions about home warranties

A home warranty is excellent annual investment if you want to save time, money, and frustration when major systems and appliances break down. But there are some common misconceptions about what a home warranty does.

I have homeowners insurance, so I’m covered

Many homeowners think that homeowners insurance includes coverage for major system or appliance breakdowns. However, it doesn’t.

Homeowners insurance covers things like fire, theft, and weather damage. A home warranty covers system and appliance breakdowns caused by routine wear and tear. Learn more about why homeowners insurance plus a home warranty is such a winning combination.

My systems and appliances are new, so I don’t need a home warranty

It’s true that newer systems and appliances are less likely to break down than older ones. However, 1 in 5 brand-new appliances breaks down within the first four years of ownership, oftentimes outside the manufacturers warranty. As a home warranty company that offers coverage regardless of age, 2-10 HBW can help take the sting out of a newer system or appliance that breaks down.

Home warranty coverage is limitless

Every single home warranty company includes limits and exclusions on coverage. For example, if a homeowner doesn’t take care of their appliances and something breaks down, coverage may not apply. Routine maintenance is the best way to get the most out of your home warranty.

Additionally, all home warranty companies have dollar limits on coverage. However, with 2-10 HBW, you know exactly what those limits and exclusions are, because we include them clearly in our service agreements. Additionally, we offer coverage options that can let you increase dollar limits if you choose.


Whether you’re buying a house or have owned your home for years, a home warranty plan from 2-10 HBW is an excellent investment. We provide budget protection and make finding a trustworthy contractor so much easier than doing it yourself. A home warranty can help you address unexpected, expensive, inconvenient breakdowns without breaking the bank.

2-10 HBW offers the most comprehensive home warranty coverage for homeowners. Let us help you protect your home.

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Related content

Home Warranty Plans for First-Time Home Buyers

Is a Home Warranty Included in Closing Costs?

How Long Is a Home Warranty Good for?


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