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Home Warranty Insurance

11/16/2012

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Home Warranty Insurance is an insurance plan that covers the maintenance and expenses associated with appliances and household items such as the refrigerator, dishwasher, plumbing, electrical wiring, heating, ventilation and air conditioning units.  If you have Home Warranty Insurance and if your air conditioner or heater should stop working, you place a call and the home warranty company will send out a technician to repair it for you.  If the technician cannot repair the appliance the home warranty company will replace the appliance for you.

You need to be careful when selecting a Home Warranty Insurance Company.  Many plans do not cover pre-existing conditions, or repairs due to the lack of maintenance, etc.  Such conditions are generally mentioned in the small print in the contract and are easy to miss.  So make sure that when selecting a provider you address these issues right from the start.  Note some may provide coverage for this at an additional cost.
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    Greg Bryan is a realtor and an attorney in San Francisco

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