Heating and cooling
Furnaces, heat pumps, air handlers, condensers, and many blower components after a covered mechanical failure.
Coverage designed around the systems that fail at the least convenient moment, written so you can see the difference between a mechanical breakdown and an excluded condition.
Each category below can be bundled or emphasized depending on the plan you select. Final eligibility always follows the written agreement for your home.
Furnaces, heat pumps, air handlers, condensers, and many blower components after a covered mechanical failure.
Refrigerators, ranges, cooktops, built-in ovens, dishwashers, and microwave units that are permanently installed.
Washers and dryers for covered mechanical faults, including many motor, timer, and heating-element issues.
Interior supply and drain components, valves, and many leaks caused by worn mechanical parts rather than construction defects.
Tank and many tankless units when a covered part fails, including thermostats, heating elements, and gas valves where listed.
Interior wiring issues tied to covered devices, selected switches, and many failures inside listed electrical fixtures.
Thermostats and related control boards that manage a covered heating or cooling system.
Limited leak repair on listed roof types when water enters living space because of a covered wear condition, not storm redesign.
When a covered system stops performing its primary function, you submit a request with the brand, approximate age, and a short description of the symptom. If a photo of the model plate or the failed area will help, we ask for it immediately rather than after a delay.
A specialist compares the symptom with your plan. Covered mechanical failures move to contractor coordination. Conditions caused by missing maintenance, improper installation, or alterations outside the original design are explained with the relevant clause. You always receive a written outcome, even when the answer is no.
No. Insurance generally responds to sudden events such as fire or certain weather losses. A home warranty is arranged around mechanical breakdown of listed appliances and built-in systems after ordinary use. The two products can sit side by side, but they pay for different problems.
Many older units can be enrolled if they are in working order at the start of coverage and meet the plan’s age and condition notes. A system that has already failed, has been tagged unsafe, or has missing components is usually not eligible until it is restored.
Installation and code-compliance work are generally outside warranty coverage. We cover listed mechanical failures of an otherwise properly installed system. If a technician reports an installation defect, we share that finding so you can decide how to proceed.
It is the amount you pay when a covered request is dispatched. The fee is listed on your plan and is due for that visit whether the technician repairs, diagnoses, or determines the issue is excluded after on-site inspection.