A home warranty covers certain appliances inside the home after the manufacturer’s warranty has expired. Common house hold items covered by the warranty are dishwashers, televisions, the plumbing, electrical wiring, refrigerators and HVAC units. Once the appliance breaks, the home owner calls the home warranty company and the company sends a technician out for diagnosis. After the diagnosis, the technician orders the necessary parts and completes the repair. The home warranty company pays the technician for the repair. The home owner pays a small fee associated with the repair.
Does Home Warranty Cover’s My Air Conditioner Repair
As long as the HVAC unit is repairable, it will be repaired. However if the service technician deems it not repairable, the home warranty company will replace the unit. After replacing the HVAC unit, the unit is no longer covered under the home warranty until the original manufacturer’s warranty expires. Under certain circumstances, the insurance company does not pay for a repair. For example, when the HVAC unit stops working as a result an act of God the home warranty company will insure the appliance but not attempt an AC repair it. Depending on the company, an act of God may include hurricanes, floods and fires. Home warranty companies will not cover pre-existing conditions such as a repair started underneath the manufacturer’s warranty. Owners who neglect to keep up their HVAC unit are not covered either.
The exact warranty terms varies with the warranty company. The cost of the protection plan depends on the type of plan selected. Sometimes as a gift, the builder or realtor will pay for a year of protection with the purchase of a new home. All warranties are prepaid a year in advance near the expiration date of the old warranty. Certain items such as outdoor appliances permit fees and faucet repairs are not covered under any warranty plan.