What does the typical house warranty policy cover? Though coverage varies from one house warranty company to another, most will cover these primary areas:1) Some major appliances. Appliances such as the stove, refrigerator, and built-in dishwasher are typically included. Some policies include coverage for the garbage disposal, trash compactor, built-in microwave, washing machine and dryer, and ceiling fan, but some do not. 2) Heating and cooling systems. Furnaces, air conditioners, heat pumps, and the ductwork are generally covered. Portable air conditioners and heaters are usually not covered. Because of the high cost of repairs to heating and cooling systems—typically from $600 to $3,500—this is one of the more important coverages of a typical house warranty.
3) Plumbing and electrical systems. If the electrical and plumbing systems are properly installed, they are usually covered by a house warrranty. This coverage extends to electrical panels, wiring, indoor pipes, and drains. though typically not for faucets or outdoor plumbing such as sprinkler systems. A rider to the policy is usually needed for swimming pools and hot tubs.
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