Does a home warranty cover gutters?

Check gutter coverage to avoid costly surprises later

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Gutters are more important than you might think. They divert rainwater away from your home. Malfunctioning gutters can damage the roof and foundation and encourage mold growth. If your gutters aren’t doing the job, your home warranty may be able to help. Here’s what you need to know.

Key insights

Some home warranty companies cover gutters.

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Home warranties typically have contract limitations and exclusions that can get your claim denied.

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If your plan doesn’t have gutter coverage, you may need to upgrade your package.

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What gutter services does a home warranty cover?

While most home warranty companies don’t offer gutter repair and replacement services, some do. These plans will cover the parts and labor needed to get your gutters into working condition.

Home warranty companies also sometimes cover gutter cleaning. Adding gutter cleaning to your policy makes sense if you’re unable to climb up a ladder to do it yourself, or if you just don’t have the time.

Potential exclusions to gutter home warranty coverage

Even if your home warranty company covers gutters, your claim may still be denied. Some common reasons for denial are that the damage existed before you got your gutter coverage or that it was caused by something other than normal wear and tear. Improperly installed gutters can also result in a denied claim.

What to do if your home warranty doesn’t cover gutters

If your current home warranty package doesn’t cover gutters, that’s normal. Most companies that offer gutter coverage offer it as an add-on. You just need to contact your company and add it to your package. This addition can raise the cost of your home warranty, but it may be worth it.

Your home warranty may not cover gutters. In that case, once your contract term is up, you may want to switch to a company that does, like Liberty Home Guard.

Quick and easy. Find a home warranty partner now.


    What does a home typically warranty 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.

    Do home warranties cover water damage?

    Most home warranties don’t cover water damage, but they often cover plumbing that could be the cause of the damage.

    Does a home warranty cover roof repair and replacement?

    Sometimes home warranties will cover roof repair as an add-on to coverage packages.

    Bottom line

    Home warranties typically don’t cover gutters, as they are considered external structures rather than internal systems or appliances within the home. However, that’s not always the case. It's always a good idea to review your specific home warranty contract to understand exactly what is covered and what is not.

    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. Liberty Home Guard, “Gutter Cleaning Warranty.” Accessed April 9, 2024.
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