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Home Warranties questions, answered by experts

Extended warranties are available in several lengths, with most ranging from one to five years. Some insurers only offer one- to two-year warranties, which may fall in line with your manufacturer’s warranty, rendering the extended warranty useless. For most major appliances, longer warranties tend to offer the best possible return, since you’re more likely to encounter issues the longer you own an item.

The main types of home warranties cover the basic essentials, but additional plan types focus on specific areas such as:

  • Appliance plan: This plan covers typical household appliances like refrigerators, stoves, washer and dryer, built-in microwaves, and dishwashers. It costs $360 and $540 per year

  • System plan: Costing between $360 and $540 per year, this plan covers central home systems like HVAC, plumbing, electrical, and water heaters. 

  • Combination plan: This plan type covers both systems and appliances, costing between $545 and $1,500.

Yes, often using a professional installer ensures compliance with warranty terms.

Homeowners' insurance covers water heaters under certain circumstances. If your water heater is damaged due to a covered event, like a fire or burst pipe, your policy may pay for repairs or replacement. However, insurance won’t cover wear and tear, old age, or neglect. If a malfunctioning water heater causes water damage, your policy may help with cleanup and repairs, but not fixing or replacing the heater itself unless the damage resulted from a covered event.

Yes, many providers offer warranties for new pumps and labor. Confirm terms before scheduling.

The Seward, AK homeowners’ guide to home warranties

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

  • Mother cooking with her daughter

    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.