Do home warranties cover ceiling fans?

What ceiling fan services does a home warranty cover?

While most home warranties offer extensive coverage on systems and appliances, they don’t often cover ceiling fans. Some do, but typically, most plans only cover key components, such as motors and controls. A few home warranty companies even provide a full ceiling fan replacement if they can’t repair it.

Here are a few other things usually covered by home warranties:

• Ceiling fan motors
• Controls
• Noisy operation
• Loose connections
• Blade brackets
• Speed issues
• Capacitors
• Failure to start or operate

Potential exclusions to ceiling fan home warranty coverage

Most home contracts list many limitations and exclusions regarding what the warranty will cover. For example, some companies only cover damage to the main components of a ceiling fan due to normal wear and tear and exclude things such as accidental damage. The age and condition of your ceiling fan can also affect coverage.

Here are some other items not covered by a home warranty:

• Remote transmitter units
• Light fixtures on ceiling fans
• Wall fans
• Removable attachments
• Cosmetic damage
• Accidental damage
• Acts of god

Coverage caps

Most home warranty plans have coverage caps in their contracts, too. This means the company will only spend up to a certain amount on parts and repairs, and then you are responsible for the rest. For example, if it costs $300 to repair your ceiling fan but the coverage cap is $250, you would be responsible for paying the extra $50.

What to do if your home warranty doesn’t cover ceiling fans

If your home warranty doesn’t cover ceiling fans, you have some other options. Some companies offer coverage as an add-on or in higher-tier plans. This will add to your home warranty cost, but it may save you money in the long run.

You can also try replacing your ceiling fan yourself. On average, a standard ceiling fan costs around $35 to $300 and even if you aren’t an electrician, they are very simple to repair and replace. Regular maintenance, such as cleaning, screw tightening and balancing the blades can also extend the life span of your fan.

Bottom line

With occasional cleaning and the right maintenance, your ceiling fan can last for up to ten years. A home warranty that covers repairs on motors and controls can save you some time and help it last even longer.