10/13/2026
What does a home warranty cover and what's excluded?
Over my 20+ years guiding clients through home purchases and sales, questions about home warranties come up time and again. Hereâs what you need to know: A home warranty typically covers major systems and appliancesâthink heating, cooling, plumbing, and your everyday essentials. You can choose a plan thatâs systems-only, appliances-only, or a combination, with some providers offering optional add-ons for extra peace of mind. But itâs important to be aware of whatâs not included: structural components and any preexisting conditions are generally excluded. Every policy has its own coverage limits and specific details, so itâs essential to review the fine print carefully. My experience has taught me that being informed on these details helps you make confident, protected decisions as you invest in your next home.