Home Warranty INC Review 2023

Home Warranty INC Plans & Coverage

Home warranty INC provides three plans to homeowners: Home Protection Plan, Appliance Protection Plan, and Supplemental Home Protection Plan. Apart from the Appliance Protection Plan, the other two plans offer separate optional items that you can purchase at an extra cost. Let’s take a closer look at the offered home warranty plans!

Home Protection Plan This is a 14-month coverage plan including 20 systems and appliances. Heating Units Cooling Units Air Exchanger Ductwork Water Heater Interior Plumbing Plumbing Stoppages Interior Electric Wiring Sump Pump Garbage Disposal Central Vacuum Garage Door Opener Trash Compactor Built-In Or Over-The Range Microwave Kitchen Refrigerator Ice Maker Dishwasher Clothes Washer Clothes Dryer Range/Oven/Cooktop Stove Undetectable Pre-Existing Conditions Shop Plans

Appliance Protection Plan This is an à la carte appliance plan. Furnace or Air-to-Air Heat Pump Air Conditioner Water Heater Trash Compactor Annual Furnace Inspection Built-In or Over-the-Range Microwave Dishwasher Washer Dryer Water Softener Range/ Oven/ Stove/ Cooktop/ Wall oven Refrigerator/ Stand Alone Freezer Shop Plans

Supplemental Home Protection Plan This plan covers 14 systems and appliances. Primary Heating Unit Water Heater Central Vacuum Clothes Dryer Clothes Washer Primary Cooling Unit Garage Door Opener Air Exchanger Built-In or Over-the-Range Microwave Range/ Oven/ Stove/ Cooktop Garbage Disposal Kitchen Refrigerator Trash Compactor Dishwasher Shop Plans

Optional Coverage

The items listed in the table below are optional add-ons which you can purchase in return for a few dollars. Take a look:

The products covered under SurgeShield Plus Protection are Televisions, tablets & netbooks, gaming systems, laptop, computers, video surveillance, alarm monitoring systems, home theater sound systems, printers, digital cameras, and led light bulbs. However, SurgeShield will cover the damage caused by power surge to all the covered systems and appliances.

Home Warranty INC Exclusions

According to the service contract, Home Warranty INC will not cover:

• Damages caused by customer’s negligence, Acts Of God, pests, and pets.
• Systems and appliances used for commercial purposes.
• Manufacturer’s defects, cosmetic repairs, and routine maintenance.
• Service performed on systems with toxic materials.
• Removal or demanufacturing of a system or an appliance or any costs associated with it.
• Repair or replacement of items whose damage is caused by moisture, mold, rot, fungus, rust, and corrosion.
• Reconstruction of damage to walls, floors, tile, ceilings. The company will also not pay any cost for the same.

Apart from that, home warranty companies have some coverage limitations of how much liability they have for the repair and replacement of covered items. Home Warranty INC mentions in its contracts that its liability will not exceed $5,000 per covered item or $15,000 aggregate during the whole agreement period.

NOTE: There may be other exclusions to your plan, so we recommend that you must read your contract thoroughly before making any commitments.

How Much Does Home Warranty INC Cost?

The plans offered by Home Warranty INC vary in prices. As per the available information, the cost of their plans are as follows:

However, you must consider the fact that the total price depends on your selected plan, your area of residence, and the optional items you may have chosen.

NOTE: The company offers one month of free coverage on Home Protection Plan when you select to pay the premiums monthly.

Home Warranty INC Claims

The coverage begins on the date you sign up for the plan, but there is a waiting period of 30 days on the optional coverage. So, this means you have to wait for 30 days before filing a claim on optional items. To file a claim, you will need to:

• Give a call on the toll-free number (877) 977-4949. As per the company, this line is 24/7 to the customers and they can speak to live customer service representatives.
• Explain the problem to the representative and they will arrange for a technician to visit your home. 
• However, the company also allows you to call the technician of your choice. If you wish to do so, you may also clarify it with the representative.
• You can also file the claim via an online form available on its website.
• When the technician arrives at your home and gets things fixed, you will need to pay the service fee or deductible in return. This amount will be mentioned in your service contract, make sure you read it carefully.

NOTE: The company makes it very clear that it will not reimburse you if you get the services done by your technician without its prior approval.