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Home Warranties questions, answered by experts

Before you replace your windows, check your home warranty. Many home warranties don’t cover windows at all, while some have specific clauses about what they will and will not cover and what might void the warranty. If you have any questions, reach out to your insurance specialist, and never make assumptions.

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.

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.

Many water heaters come with warranties provided by the manufacturer or retailer. It’s important to understand how your water heater warranty works, so you know what is covered and what isn’t. Water heaters last, on average, between eight and 15 years, so if the warranty offered isn’t long enough for your comfort, you can choose to look into and purchase an extended warranty.

Yes, laying laminate over carpet may void the warranty of your flooring. Most laminate manufacturers specify installation over a suitable subfloor, not carpet. Deviating from these installation guidelines can invalidate the warranty. You should stick to the manufacturer's instructions to ensure warranty coverage, and you should always consult with professional laminate flooring installers near you if you have any concerns or questions regarding installation methods.

The Willow Street, PA 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.