A home warranty is a service contract that allows homeowners to pay monthly or annual premiums for coverage of repairs and replacements of household items. Home warranties cover normal wear and tear on home systems and appliances, allowing homeowners to save on services that typically cost a lot of money. Here are some things that a home warranty typically covers:

• Service, repair, or replacement of major home appliances and systems, such as HVAC, plumbing, electrical, and kitchen appliances.
• Gas lines to a fireplace, which are considered part of your home’s heating system.
• Lawn sprinkler systems, pools, roofs, and much more.

However, there are some exclusions and limitations to consider. Here are some things that a home warranty typically does not cover:

• Structural issues, such as windows, solar panels, doors, home foundations, walls, and finishes.
• Commercially classified kitchen appliances and systems, such as Thermador or Sub-Zero.
• Improper installation.
• Cosmetic issues.
• Damage caused by improper installation or maintenance.
• Gutter systems.
• Windows and doors, which are part of your home’s structure.
• Bathtubs and showers, unless they are damaged due to normal wear and tear.

It is important to read the terms and conditions of a home warranty carefully and determine if you will benefit from the plan based on the age and condition of your home and its appliances and systems.