How to get the most from your home warranty

Choose the right plan

Start by selecting the plan that best fits your home’s specific needs. Look at the age and condition of your appliances and systems to decide whether you need a basic plan or something more comprehensive. For example, if you have a pool, a second refrigerator or specialized systems, consider plans that allow add-ons or customization.

Take the time to read through your home warranty contract thoroughly before you sign. Knowing exactly what's covered — and what isn't — can save you a lot of headaches later on. Pay special attention to any exclusions, limits on payouts and the conditions under which repairs and replacements are covered.

Here are some limitations and exclusions to watch out for:

• Preexisting conditions: Issues that existed before you got the warranty are usually not covered.
• Cap limits: Many warranties have limits on the amount they will pay per item or annually. The homeowner must cover whatever is left over.
• Noncovered items: Look for appliances and systems not listed in your contract. You may want to contact your home warranty provider to add them.
• Cosmetic damage: Scratches, dents or any cosmetic issues that don't affect the appliance or system's functionality are generally not covered.
• Commercial-grade appliances: Most home warranties are designed for residential appliances and may not cover commercial-grade equipment.
• Unauthorized repairs: Repairs done without the warranty provider’s approval or by noncertified technicians might not be covered.
• Components and parts: Certain parts of appliances or systems, such as filters, fuses, lights or detachable accessories, may be excluded from coverage.
• Unusual wear and tear: Home warranty companies usually exclude damage from misuse or unusual wear and tear.
• Code violations: Appliances or systems not installed according to local building codes may not be covered.
• Natural disasters: Your home warranty doesn’t cover damage from natural disasters, such as floods, earthquakes and hurricanes (often called “acts of God”). This is what homeowners insurance is for.

» LEARN MORE: How to choose a home warranty company

Maintain your home systems and appliances

Keeping your home’s systems and appliances in good working order is important when it comes to a home warranty. Home warranty companies deny many claims due to a lack of maintenance, so keep records of all your upkeep efforts. If a claim gets denied, you can always use the maintenance records as proof for your appeal.

Here are some tips to keep everything running smoothly:

• Regular cleaning: Keep all appliances clean from dust, grime and debris. For example, clean the refrigerator coils, dishwasher filters and dryer vents to prevent clogs and overheating.
• Check and replace filters: Regularly replace or clean filters in your HVAC system, range hoods, water purifiers and air purifiers.
• Inspect hoses and connections: Check hoses on appliances like washing machines, dishwashers and water heaters for leaks or bulging. Replace them if necessary to avoid water damage and mold growth.
• Service HVAC annually: Have your heating and cooling system checked and serviced by a professional at least once a year.
• Drain the water heater: Periodically drain your water heater to remove sediment that builds up over time.
• Keep vents clear: Ensure that furniture or rugs do not block the vents in your home. This will improve air circulation and the efficiency of HVAC systems.
• Follow the manufacturer’s maintenance schedule: Stick to each appliance's recommended maintenance schedule. The schedule can often be found in the user manual or online.
• Use appliances as intended: Avoid overloading circuits, using appliances for unintended purposes or ignoring operating instructions.

Work with reputable contractors

Although home warranty companies usually choose the contractors they send, you can sometimes request a specific technician. If you're allowed to choose your own contractor, make sure the company is reputable and qualified. This can make a big difference in the quality of repairs.

Here’s how to make sure you pick the right contractor if you go that route:

• Check for certifications and licensing: Ensure the contractor is licensed and technicians are certified to work on your specific appliance brands.
• Read reviews and testimonials: Find online reviews on platforms like Google or Yelp. Look for comments about the technicians' professionalism, punctuality and work quality.
• Ask for recommendations: Ask friends, family or neighbors if they recommend any particular repair service.
• Inquire about experience: Choose a company with extensive experience with your appliance’s brand or type. Experienced technicians can diagnose and fix problems more effectively.
• Verify insurance: Ensure the contractor has liability insurance to protect against potential damages that could occur during the repair.
• Compare quotes: Get estimates from multiple companies to ensure you’re getting a fair price. Be wary of quotes that seem unusually low. Low quotes may mean subpar service.
• Ask about warranties: A reputable company will guarantee its work. Ask if it offers a warranty on both parts and labor.
• Check availability: Consider availability. A good contractor should be able to schedule an appointment within a reasonable time frame.
• Professionalism: Gauge the professionalism of the customer service when you call. Efficient, courteous service often reflects the overall quality of the business.
• OEM parts: Verify that the company uses original equipment manufacturer (OEM) parts. These tend to be more reliable.

File claims promptly

Don’t delay filing a claim with your home warranty company when encountering a problem. Most warranties require you to file a claim within a certain time frame after you discover an issue. Delaying can worsen the problem with your appliance or system and impact your ability to get the repair covered.

» READ: How to file a home warranty claim

Keep good records

Document everything related to your home warranty. Keep a file with your contract, any receipts, detailed notes from conversations with the warranty company and records of all repairs. Good documentation can be helpful if there are disputes about coverage or service.

Renew thoughtfully

A home warranty’s contract term usually lasts 12 months. When it comes time to renew your warranty, assess how well it’s served you and if you need to make any changes. For example, new appliances or systems may require you to adjust your coverage.

You may also want to compare prices and coverage with other home warranty companies. You may be able to find a company that offers more coverage for a smaller deductible or yearly fee.

» MORE: Guide to home warranty renewal

Advocate for yourself

If a claim is denied and you believe the home warranty should have covered it, don’t be afraid to file an appeal. Sometimes, decisions are overturned, especially if you can provide clear documentation that your contract covers the issue or that you took good care of your appliance or system.

» LEARN: Questions to ask a home warranty company

Keep track of appliance life spans

Knowing the typical life spans of your home appliances and systems can help you predict when they might fail. This allows you to be more prepared for potential replacements and repairs and predict when your warranty can save you money.

For example, say you don’t have coverage for your home air conditioner. It’s around 10 years old, and you know air conditioners last around 12 years. So, you know it’s getting old and you should probably get coverage before it starts having problems.

Average life spans for items around the home

Bottom line

Maximizing your home warranty is all about being proactive and well-informed. Choose the right plan for your needs, understand your coverage thoroughly, keep up with maintenance, and handle issues promptly. Keep good records of all interactions and repairs, and don't hesitate to advocate for yourself if needed. By following these steps, you can turn your home warranty into a valuable asset that keeps your home running smoothly and your mind at ease.