Do home warranties cover sprinkler systems?
Check sprinkler systems coverage to avoid costly surprises later.
It’s rare, but some home warranty companies cover sprinkler system repair. Typically, this service is an add-on to a home warranty package. Here’s what you need to know before you sign up.
Some home warranty companies cover sprinkler systems.
Jump to insightThere may be limitations and exclusions that can get your claim denied.
Jump to insightWhat’s covered varies from company to company.
Jump to insightWhat sprinkler systems services does a home warranty cover?
Home warranty coverage for sprinkler systems can vary depending on the company and your specific plan. Generally, a home warranty may cover repairs or replacements for certain components of your sprinkler system, such as:
- Sprinkler heads
- Valves
- Waterlines
- Control panel or timer
- Electrical components
- Low water pressure
Potential exclusions to sprinkler systems home warranty coverage
Reviewing your specific home warranty contract to understand the exact coverage provided for your sprinkler system and any limitations or exclusions that may apply is important. Most home warranty companies have stipulations that can get a sprinkler claim denied, including:
- Damage caused by acts of nature
- Damage that isn’t due to normal wear and tear (like running over a sprinkler head with the lawn mower)
- Unauthorized repairs
- Sprinklers under a warranty provided by the manufacturer or installer
- Improper installation
- Cosmetic damage
- Preexisting conditions
Your plan also may have a coverage cap for sprinkler systems. This means the home warranty company will cover repairs up to a certain amount. Once that amount is reached, you have to pay for the rest.
What to do if your home warranty doesn’t cover sprinkler systems
If your home warranty doesn't cover sprinkler systems, there are several steps you can take:
- Manufacturer's warranty: See if your sprinkler system is still covered under the manufacturer's warranty. If so, contact the manufacturer to inquire about repair or replacement options.
- Homeowners insurance: Check if your homeowners insurance policy covers sprinkler systems for certain types of damage, such as vandalism or natural disasters. If the issue is covered, file a claim with your insurance provider.
- Upgrade: Your home warranty company may offer sprinkler system repair as an add-on to your package. Contact it to find out.
- Switch: If your home warranty doesn’t offer sprinkler protection, go with one that does, like Liberty Home Guard or Choice Home Warranty.
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.
Does a home warranty cover low water pressure?
Home warranty plans often cover plumbing and sometimes sprinkler systems. Low water pressure is a typical problem fixed through these coverages.
Does a home warranty cover existing problems?
Home warranties usually only cover problems that happen after the policy term starts.
Bottom line
While some home warranty companies cover sprinkler systems, it’s important to look over the contract before signing up. Some limitations could make the plan less useful for your home’s particular needs.
