Do home warranties cover hot tubs and spas?

Check hot tub and spa coverage to avoid costly surprises later

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hot tub in a covered patio of a home

The repairs can be expensive when a hot tub or spa breaks down. On average, a hot tub repair costs $164 to $533. Your home warranty plan can help relieve some of the costs, but there are some details you should consider before filing a claim.


Key insights

Most home warranty companies do cover hot tubs and spas — often in the form of add-on coverage.

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Your home warranty contract may include some limitations and exclusions that could get your claim denied.

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You may be able to get coverage if you don’t already have it.

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What hot tub and spa services does a home warranty cover?

Home warranties usually cover hot tubs and spas. While they may not be covered in the base package, a higher-tier package will typically include both. You may also be able to add hot tub and spa coverage to your current package as an à la carte item.

Your policy may only cover certain parts of your hot tub or spa, though, so be sure to check your contract. Some parts that may be covered include:

  • Jets
  • Timers
  • Actuators
  • Filtration systems
  • Motors
  • Electrical wiring
  • Pool sweeps
  • Heaters
  • Above-ground plumbing
  • Pipes
  • Wiring

Potential exclusions to hot tub and spa home warranty coverage

While you probably have coverage, there's still a chance your claim to repair your hot tub or spa may face some hurdles. Some common exclusions in your home warranty contract that might impact your ability to get a repair or replacement include:

  • The spa or hot tub wasn't properly maintained.
  • Your hot tub or spa wasn't installed correctly.
  • The issue existed before you obtained your warranty.
  • Your warranty doesn't cover a specific brand, model or age of hot tub or spa.
  • Your homeowner’s insurance covers your spa or hot tub.
  • The damage wasn't caused by regular wear and tear.
  • An unauthorized technician did the repairs.

Additionally, your policy might have a cap on how much it will pay for a repair or replacement. For instance, your contract might limit hot tub and spa repairs to $5,000. That means that if your hot tub or spa requires $6,000 worth of work, the home warranty company will pay just $5,000. You'll be responsible for covering the additional $1,000 yourself.

There may even be caps on certain parts of the repair. American Home Shield, for example, has a coverage cap of $1,000 if your contractor needs to cut through concrete to access any system components for your spa or hot tub.

What to do if your home warranty doesn’t cover hot tubs and spas

If your home warranty plan doesn't cover hot tubs and spas, you can make changes to your package. You might have the option to upgrade to a package with hot tub and spa coverage or add it to your current plan as an extra feature. This will add a little extra to your home warranty costs, though.

Another thing to consider is your homeowner’s insurance, which could step in to cover hot tub and spa repairs in certain situations — like if your home is impacted by a fire or flood.

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    FAQ

    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.

    Is my hot tub and spa covered under warranty?

    A manufacturer’s warranty may cover your hot tub or spa. You can find information in the documents that came with your unit.

    What does a home warranty cover vs. insurance?

    They cover two different types of damage. Home insurance covers damage caused by mishaps like floods, fires and theft, while home warranties cover repairs or replacements from normal wear and tear.

    Bottom line

    While it's true that many standard home warranty plans offer coverage of hot tubs and spas, most offer it as an optional add-on. Coverage can vary depending on the provider and the specific terms of your home warranty contract. So, it's important to carefully review your home warranty policy to determine what hot tub and spa protection your contract covers.


    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. Angi, “How Much Does It Cost to Fix a Hot Tub?” Accessed March 28, 2024.
    2. American Home Shield, “Built-in Jetted Tub Motor & Parts Warranty Coverage.” Accessed March 28, 2024.
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