Coverage Types
What home warranty plans typically cover — with average repair and replacement costs.
Ceiling Fans
(Systems)Interior ceiling-mounted fans including motor and blade assemblies.
Repair: $50–$200
Replacement: $100–$500
19 companies cover this
Central Vacuum System
(Systems)Built-in central vacuum motors and piping systems.
Repair: $100–$400
Replacement: $500–$2,000
17 companies cover this
Ductwork
(Systems)HVAC air distribution ducts, vents, and registers.
Repair: $200–$800
Replacement: $2,000–$6,000
19 companies cover this
Electrical System
(Systems)Interior wiring, outlets, switches, circuit breakers, and electrical panels.
Repair: $200–$1,000
Replacement: $3,000–$10,000
19 companies cover this
Garage Door Opener
(Systems)Motorized garage door opening mechanisms and remote controls.
Repair: $100–$350
Replacement: $200–$600
19 companies cover this
HVAC (Heating, Ventilation & Air Conditioning)
(Systems)Central heating and cooling systems including furnaces, air conditioners, heat pumps, and thermostats.
Repair: $300–$1,500
Replacement: $5,000–$15,000
19 companies cover this
Kitchen Appliances
(Appliances)Refrigerator, oven/range, dishwasher, microwave, garbage disposal, and trash compactor.
Repair: $100–$600
Replacement: $500–$3,000
19 companies cover this
Laundry Appliances
(Appliances)Washing machine and dryer (gas or electric).
Repair: $100–$500
Replacement: $500–$2,000
19 companies cover this
Plumbing System
(Systems)Interior plumbing including pipes, fixtures, faucets, toilets, and water supply lines.
Repair: $150–$800
Replacement: $2,000–$15,000
19 companies cover this
Pool & Spa Equipment
(Add-On)Pool and spa pumps, heaters, motors, and filtration systems. Usually an add-on.
Repair: $200–$1,000
Replacement: $1,500–$5,000
0 companies cover this
Roof Leak Repair
(Structural)Limited roof leak repairs (not full replacement). Coverage varies widely and is often limited.
Repair: $300–$1,500
Replacement: $8,000–$30,000
16 companies cover this
Septic System
(Add-On)Septic tank pumps, aerobic systems, and related components. Usually an add-on.
Repair: $300–$2,000
Replacement: $3,000–$15,000
1 companies cover this
Water Heater
(Systems)Tank or tankless water heaters, including gas and electric models.
Repair: $150–$600
Replacement: $800–$3,000
19 companies cover this
Well Pump
(Add-On)Well water pumps and related pressure systems. Usually an add-on.
Repair: $200–$1,000
Replacement: $1,000–$5,000
13 companies cover this