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Last update on November 30, 2025

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Home Warranties questions, answered by experts

The answer is mixed when it comes to whether you can expect your home warranty to cover a shower pan leak. While a home warranty is designed to cover costs for the repair or replacement of appliances and major home systems, most plans don't cover water damage. However, plumbing may be covered. When looking at home warranty versus home insurance, it's helpful to know that most homeowners insurance policies do cover sudden and accidental water damage originating from inside the house. 

Most home warranties exclude aesthetic damage, pre-existing issues, intentional damage, and issues that stem from a lack of proper maintenance. Home warranty companies also have contract terms that can exclude specific types of HVAC systems or certain components of an appliance or home system, so you should read your contract in its entirety to make sure you understand your coverage before signing up.

Many contractors offer warranties for parts and labor. Confirm terms before hiring.

Either the buyer or the seller can purchase coverage, and who pays for a home warranty depends on the situation. Some sellers buy a year of home warranty coverage to entice buyers to purchase their home, while some buyers purchase coverage to ensure they’re not on the hook for expensive appliance and system repairs shortly after closing on their home.

Because they are considered cosmetic issues, refrigerator door dents are not traditionally covered by a manufacturer's appliance warranty. However, most brands will cover dents discovered upon delivery.

The Chugiak, AK homeowners’ guide to home warranties

From average costs to expert advice, get all the answers you need to get your job done.

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  • Mother cooking with her daughter
    Dan Simms
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    If you’re looking to add a level of protection to your home’s appliances and systems (like plumbing), you may be considering purchasing a home warranty. Keep reading to learn about the various pros and cons associated with common home warranty plans.