What Is a Home Warranty?

A home warranty is a service contract that covers the repair or replacement of major home systems and appliances due to normal wear and tear. This includes items like your refrigerator, dishwasher, oven, and more. It’s not the same as homeowners insurance, which covers unexpected damage — warranties focus on breakdowns over time.

Top Home Warranty Providers to Consider

If you’re exploring options, here are a few popular home warranty companies in the U.S. known for appliance coverage and customer service:

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  American Home Shield: One of the longest-running providers with customizable plans.

  
  


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  Choice Home Warranty: Offers simple coverage with competitive pricing.

  
  


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  Liberty Home Guard: Known for fast claims response and wide service network.

  
  


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  Select Home Warranty: Budget-friendly options with system + appliance bundles.

  
  


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  First American Home Warranty: Offers solid appliance protection and flexible service call fees.

  
  

Why Appliance Replacement Matters

Appliances don’t last forever, and replacing them can be expensive. When a covered appliance breaks down, a home warranty allows you to file a claim and have a technician diagnose the issue. If the appliance cannot be repaired, the warranty provider will replace it — saving you hundreds or even thousands of dollars.

How the Replacement Process Works

• File a Claim: Contact your home warranty company as soon as the appliance fails.


• Technician Visit: The company sends an approved contractor to assess the issue.


• Repair or Replace: If repair isn’tpossible or cost-effective, a replacement is authorized.


• Installation: The new appliance is delivered and installed, often with removal of the old one.

Coverage Limitations

Not all warranties are created equal. Some only cover specific appliances or have payout limits per item. It’s crucial to read the fine print and understand:

• Which appliances are covered


• Annual coverage caps


• Service call fees


• Pre-existing condition clauses

Choosing the Right Warranty Plan

When selecting a warranty, consider:

• Appliance Age: Older units are more likely to fail.


• Plan Customization: Look for plans that let you pick what’s covered.


• Customer Reviews: Reliable companies handle claims quickly and fairly.


• Response Time: Faster service is critical when key appliances go down.

Costs and Fees

Home warranty plans typically cost between $300–$700 annually, with service fees ranging from $60–$125 per visit. Though it’s an upfront cost, it can pay off quickly if a big-ticket item like your HVAC or refrigerator fails.

Benefits of Appliance Coverage

• Peace of Mind: No surprise bills when appliances break.


• Budget Protection: Helps avoid sudden large expenses.


• Convenient Repairs: One call to the warranty company gets the ball rolling.


• Increased Home Value: Adds buyer appeal if you're selling your home.

Final Thoughts

Home warranty appliance replacement plans offer a safety net for homeowners. Instead of stressing over broken dishwashers or dryers, you get fast, professional help — and often a brand-new appliance. Just be sure to pick a trustworthy provider with clear terms and a solid reputation. It’s an investment in convenience, savings, and home comfort.