How is a home warranty different from homeowners insurance?

Home warranties cover breakdowns caused by wear and tear. Homeowners insurance generally covers sudden damage from events like fire, wind, or storms, not routine mechanical failures.

What does a home warranty usually cover?

Plans typically include major systems such as HVAC, plumbing, and electrical, plus appliances like refrigerators, ovens, washers, and dryers. Exact coverage varies by plan, so review inclusions and limits carefully.

Are there fees when I file a claim?

Most home warranties charge a service call fee or trade fee when a technician is dispatched for an approved claim. Coverage limits may also apply per item or per claim.

What is usually not covered?

Common exclusions include pre-existing conditions, damage from improper maintenance, cosmetic issues, and items that are not permanently installed. Always check your contract for the full list.

Home protection

Home Warranty · 180Remodel

Q: What is a home warranty?

A home warranty is a service contract that covers repair or replacement of major home systems and appliances when they break down from normal wear and tear during the contract period.

A home warranty is a service plan that helps cover the repair or replacement of major home systems and appliances when they fail from normal wear and tear.

Use this page to learn how coverage works, what plans typically include, and how to contact us with questions about protecting your home.

Ask about home warranty coverage

Prefer the phone? Call 833-365-8755. Otherwise, send a message and we will follow up within one business day.

Questions about what systems and appliances are typically covered
Help understanding service fees and coverage limits
Guidance on whether a warranty may fit your home and budget
Clarifying how home warranties differ from homeowners insurance
What to expect when filing a claim or requesting a repair
Common exclusions, waiting periods, and plan renewals
Advice for new homeowners or buyers needing coverage soon after closing

Send us a message

Questions about home warranty coverage? We respond within one business day.

What a home warranty does

A home warranty provides affordable protection by covering repair or replacement of essential systems and appliances caused by normal wear and tear. It helps you manage unexpected repair expenses so you can keep your home running smoothly.

Helps cover costly breakdowns of systems and appliances you rely on daily
Complements homeowners insurance, which usually excludes wear-and-tear failures
Routes approved claims to qualified service professionals
Makes repair costs more predictable through plan fees and coverage limits

What home warranties typically cover

Coverage varies by plan, but most contracts focus on major systems and appliances. Review inclusions, exclusions, and dollar limits before you enroll.

Home systems

Protect the systems that keep your house comfortable and functional year-round.

HVAC heating and cooling equipment
Plumbing systems and fixtures
Electrical panels, wiring, and outlets
Water heaters and related components

Kitchen appliances

Coverage for the appliances you use every day when they fail from normal wear and tear.

Refrigerators and freezers
Ovens, ranges, and cooktops
Dishwashers
Built-in microwaves

Laundry & utility

Help with costly laundry and utility appliance repairs when something stops working.

Clothes washers
Clothes dryers
Garbage disposals
Garage door openers (when included)

What plans typically exclude

Knowing common exclusions helps you choose coverage that fits your home and budget.

Pre-existing conditions and known issues
Damage from improper maintenance or misuse
Cosmetic damage and finish-only repairs
Items not permanently installed in the home

How home warranty coverage works

Most plans follow a simple request-and-approval process from enrollment through repair.

Step 1
Request coverage details
Tell us about your home and the systems or appliances you want protected. We follow up within one business day.
Step 2
Review plan options
Compare what is covered, service call fees, and coverage limits so you know what to expect before you enroll.
Step 3
File a claim when something breaks
When a covered item fails from normal wear and tear, contact your provider to start a service request.
Step 4
A technician is dispatched
A qualified technician diagnoses the issue and repairs or replaces the covered item per your plan terms.

Why homeowners look to 180Remodel

Budget protection for everyday breakdowns

Homeowners insurance covers disasters like fire and storms. A home warranty helps with repair or replacement costs when systems and appliances fail from normal wear and tear.

Predictable costs instead of surprise bills

Most plans use a service call fee (sometimes called a trade fee) when a claim is approved, so you can plan for repairs instead of facing full out-of-pocket costs.

Access to service professionals

Warranty plans typically route approved claims to a network of technicians so you are not scrambling to find help when something important stops working.

Frequently Asked Questions

Ready to ask about home warranty coverage?

Send a message or call our team. We can help you understand typical coverage, fees, and whether a plan may be a fit for your home.