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Last update on December 03, 2025

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Home Warranties questions, answered by experts

Home warranties are like home insurance policies when it comes to pest control—they do not cover pest control services or pest-related damage. However, some companies may offer limited add-ons with dollar caps or the exclusion of a specific pest. Consult your home insurance provider to determine their guidelines for pest coverage.

Home warranties are not a necessity, but they’re great for providing peace of mind, even if you already have homeowner’s insurance. A traditional insurance policy usually only covers disasters, like a tree falling into your home, fires, floods, theft, and major vandalism. A home warranty covers individual items, including breakdowns and damage from wear and tear and old age. Unlike with insurance, a home warranty might cover a refrigerator repair or the replacement cost of an oven. Many homeowners find a home warranty is great to have alongside insurance for total coverage.

Most home warranties last for a year, and you pay either for the entire year up front or you agree to pay monthly. Some home warranty providers let you extend the contract term to two, three, four, or even five years, and in some cases, contract terms can go up to ten years.

Everyone should buy homeowners insurance. It offers you, your home, and your family protection against unexpected peril or emergencies and saves you extensive out-of-pocket costs for repair and replacement. A home warranty is worth it for homeowners with appliances or systems that are nearing the end of their life span. If you’re the owner of a newly built home, you can skip a home warranty since new materials and workmanship often come with some type of warranty.

Many policyholders wonder if home warranties will cover pest control services. Unfortunately, for most basic plans, they don’t. However, some companies offer premium plans and add-ons that can cover pest control, but even these will often come with limitations. It's crucial to review the specific details of your home warranty policy to determine if pest control is covered and to understand any limitations, such as maximum payout amounts or specific pest exclusions.

The Wrangell, 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
    •

    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.

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