Things Traditional Home Insurance Doesn’t Cover That You May Want to Protect with a Home Warranty Plan
Does Your Home Insurance Provide Appliance Warranty, Or Roof and HVAC?
While traditional home insurance provides essential coverage for a variety of risks, it doesn’t cover everything. Homeowners often assume their insurance will protect them from all types of damage, but certain items and systems aren’t typically included. That’s where a home warranty plan can be incredibly valuable. A home warranty plan can offer coverage for items like appliances, HVAC systems, and even the roof—protection that traditional home insurance often doesn’t provide. Here’s a look at what isn’t covered by traditional home insurance and why you might want to consider adding a home warranty to your property protection.
1. Roof Damage and Repairs
Your home insurance may cover roof damage caused by natural disasters like storms, fire, or vandalism, but it typically won’t cover the costs of normal wear and tear or aging. Roofs are subject to deterioration over time due to weather exposure, age, and lack of maintenance. If your roof starts leaking or develops other issues due to these factors, traditional insurance likely won’t help. A roof warranty can provide you with the coverage you need to protect your roof from problems that arise naturally as it ages, helping with repairs or even replacement when needed.
2. HVAC System Breakdown
A reliable HVAC system is crucial for home comfort, but it can be costly to repair or replace. Traditional home insurance usually doesn’t cover the cost of HVAC repairs, especially if the system breaks down due to normal usage or poor maintenance. For example, if your air conditioning unit stops working in the middle of summer or your furnace fails during the winter, home insurance will likely only cover repairs due to accidents or disasters—not regular breakdowns. By investing in an HVAC warranty, you can ensure that your heating and cooling systems are protected, with coverage for repair or replacement when something goes wrong.
3. Appliance Failures
Most home insurance policies do not cover appliance breakdowns, even if the appliance is integral to your daily life. Whether it’s your refrigerator, washing machine, dishwasher, or oven, appliance failures can disrupt your daily routine and lead to expensive repairs or replacements. Homeowners often assume that their insurance will cover these issues, but unfortunately, it’s usually not the case. An appliance warranty can be an excellent way to ensure that your kitchen and laundry appliances are protected against unexpected malfunctions. These warranties typically cover the repair or replacement of appliances if they break down due to wear and tear.
4. Plumbing and Electrical Issues
Home insurance may cover damage caused by a plumbing issue, such as water damage from a burst pipe, but it doesn’t generally cover the cost of repairing or replacing plumbing systems or electrical components that fail. If your plumbing pipes leak, or your electrical wiring needs replacement due to age or wear, a traditional policy won’t cover it. A home warranty plan, however, can offer protection for plumbing and electrical repairs, giving you peace of mind that these essential systems are covered when they need attention.
5. Cost of Maintenance and Wear and Tear
Home insurance is designed to cover sudden and accidental damages, but it doesn’t provide coverage for regular maintenance or repair of systems that wear out over time. Home appliances, HVAC systems, and even parts of your roof are susceptible to everyday wear and tear. While home insurance will likely not cover these routine issues, a home warranty plan is designed to protect homeowners from these costs, helping you maintain your home and avoid unexpected repair bills.
Home Warranty with Appliance Warranty, Roof Warranty, and HVAC Warranty
When it comes to protecting your home’s systems and appliances, HomeGuard HomeWarranty, Inc. is the premiere choice for homeowners in California, Nevada, Arizona, Georgia, and Tennessee. With comprehensive coverage options like roof warranties, HVAC warranties, and appliance warranties, HomeGuard offers flexible, affordable plans tailored to your specific needs. Their exceptional customer service and prompt response times make them a trusted partner for homeowners looking to safeguard their properties. Whether you’re looking to protect your appliances from breakdowns or keep your HVAC system running smoothly, HomeGuard HomeWarranty, Inc. is here to ensure that your home is covered when it matters most.
