Do home warranties cover foundation repair?

Check foundation coverage to avoid costly surprises later

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    closeup view of the cracks and damage to a home foundation

    The foundation can be one of the most expensive things to repair around your home. Your foundation may be covered by a special type of warranty or your home insurance — but likely not by a general home warranty.

    Key insights:

    • Home warranties don’t cover foundation repair.
    • A builder’s warranty may cover your foundation.
    • Check with your home’s insurance company to see what kind of coverage you have for your foundation.

    What foundation repair does a home warranty cover?

    Home warranty companies don’t typically cover the bones of your home, including the foundation. These warranty plans focus on appliances and systems found in your home rather than the home’s structure.

    Although they don't cover structural elements, home warranties do offer protection for other important things around the house. Here's a quick look at what’s usually covered by a home warranty:

    • Stand-alone freezers
    • Refrigerators
    • Washers and dryers
    • Garbage disposals
    • Central vacuums
    • Dishwashers
    • Oven, range and cooktops
    • Built-in microwaves
    • Garage door openers
    • Pool and spa pumps
    • Trash compactors

    What to do if your home warranty doesn’t cover a foundation

    Your foundation may already be covered, even if your home warranty doesn’t include it. If your home is new, it could be covered under a builders warranty.

    Your home insurance may also cover damage to your foundation from an accident or natural disaster.

    » COMPARE: Home warranty vs. home insurance

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    What does a home warranty typically cover?

    Home warranties usually cover large appliances, built-in microwaves, water heaters and systems like HVACs, plumbing, ductwork, pool heaters and well pumps. Some plans also cover additional items like pest control, septic systems, central vacuums, sump pumps and more.

    Are foundation issues covered by a warranty?

    Some builders warranties do cover foundation problems. Be sure to check your agreement to learn about your specific warranty terms.

    Does house insurance cover foundation cracks?

    Home insurance doesn't typically cover cracks in foundation, unless they’re caused by an accident or a natural disaster.

    Bottom line

    Even though your home warranty might not cover foundation repairs, don't worry. You may still have some options. It's a good idea to check your home insurance or builders warranty policy to see if foundation issues are covered. These could offer the financial help you need for those tricky foundation fixes.

    Article sources
    ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:
    1. Foundation Repair Services, “What Does a Foundation Warranty Cover?” Accessed Feb. 13, 2024.
    2. Federal Trade Commission, “Warranties for New Homes.” Accessed Feb. 13, 2024.
    3. Nationwide, “Does homeowners insurance cover foundation issues and repair?” Accessed Feb. 13, 2024.
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