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If you are in the process of purchasing a home, ask the seller if they have an existing home warranty or could provide one, and ask for a copy of the home warranty contract. If you have already purchased the home, contact the title company or realtor who closed the sale of the home.
What does a home warranty not cover?
Home warranties provide additional coverage beyond homeowners insurance, protecting basic home systems, such as HVAC and electricity, and appliances from normal wear and tear. Its important to understand that they do not cover structural elements like roofs, windows, or add-ons like solar panels.
What exactly does a home warranty cover?
Some examples of items not covered include: Acts of nature: Home warranties typically dont cover damage caused by natural disasters like floods, earthquakes, hurricanes, or other acts of nature. Pest damage: Damage from termites, rodents, or other pests is usually not covered by home warranty plans.
How do I check my home warranty?
A 10 or 12-year building warranty is an insurance policy that covers any structural defects which may arise in a new build property for the first 10 or 12 years after completion. As the builder, its your responsibility to buy your warranty before construction begins.
What is usually covered under a home warranty?
The standard length of a home warranty is typically one year. Most home warranty plans offer the option to renew annually, so you can review your contract and determine whether its still valuable to you. Some home warranty companies may offer extended plans that last up to five years.
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Which of the following would typically be covered under a home warranty?
In general, a standard homeowners insurance policy usually does NOT cover the following perils: Dogs Pet Liabilities (It Depends) Normal Wear and Tear. Intentional Loss Neglect. Home-Based Businesses. Earthquakes Earth Movement. Power Surges (Caused by Utility Companies) Floods Sewer Backups. Pest Infestations.
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