Whether you already have a home warranty, or you’re considering adding a home warranty to get peace of mind and ensure you’re covered in case of a serious issue with your home’s structure or systems, you may be wondering – what does a home warranty cover? Does it cover plumbing issues? Find out now!
What Is A Home Warranty? Explaining The Basics Of This Service
A home warranty is an annual contract that provides coverage for any damage to your home caused by normal use and wear & tear. This usually includes:
- Electrical systems
- HVAC systems
- Major home appliances (stoves, dishwashers, refrigerators, etc)
Typically, you pay a home warranty company a certain fee each month, and your warranty is renewed annually. If any of your covered systems or appliances fail during this time, the warranty will cover the cost of repairing the issue.
Home Warranties Typically Cover All Common Plumbing Issues Caused By Wear & Tear
Plumbing systems are included in almost every home warranty, so your plumbing system will be covered. Issues like leaks in your pipes, a toilet that won’t flush properly, or a backed up shower drain will typically be covered.
However, it is very important to note that, while home warranties will cover the cost of replacing a damaged or worn-out component, they usually do not cover the damage caused by the faulty system.
If a large leak causes water damage to your basement, for example, the warranty will likely cover the replacement of the pipe, but it will not extend to repairing the water damage – for that, you would likely turn to your homeowner’s insurance.
Homeowners Insurance Covers “Sudden And Accidental” Damage To Your Home
The biggest difference between a home warranty and homeowners insurance is that homeowners insurance is designed to cover you for “sudden and accidental” damage.
For example, if your dishwasher malfunctions and dumps water onto your kitchen floor while you’re not at home, the damages caused by this issue will be covered by your insurance company.
But unlike a home warranty, this does not cover preventable issues caused by wear & tear. If you have a preventable leak that’s caused by an old pipe wearing out, this may not be covered.
This is why many homeowners choose to add a home warranty. It helps fill in the “gaps” of homeowners insurance, providing more peace of mind and ensuring that you’re covered if there’s an issue with your plumbing systems.
Always Read Home Warranties Carefully To Confirm Your Coverage!
Just like any other type of insurance policy, it’s important for you to understand how your warranty works – each warranty has different coverage, a different deductible, and plenty of “fine print” that can affect your ability to cover repair costs.
Make sure you work with a reputable home warranty company to get a high-quality policy – and examine the policy closely and ask questions to make sure that you’re getting the right policy for your home, and that your plumbing systems, fixtures, and appliances are covered. That way, you can rest easy – knowing you’re protected from the unexpected.
Get Help From Our Experienced Plumbers In Santa Cruz – Contact Us Now!
We work with many different home warranty providers at Anytime Plumbing, and are always here to help you get the services you need to restore your plumbing, fixtures, and appliances after a major issue. Contact us online or give us a call at 831-431-6593 to schedule your service now.