What's Included in a Home Warranty Policy in NC?

What’s Included in a Home Warranty Policy in North Carolina? Here’s What You Need to Know and What It Covers  Written by Alicia Moore

Budgeting for major expenses can be challenging, to say the least. If you have trouble planning for the unexpected, a home warranty might be just what you need. First, you want to learn more about home warranties before buying one. 

Companies offer home warranties in NC with various coverage options. You can choose from plans that cover appliances, major home systems, and more. You also have the choice of combining everything into a single plan for the best coverage. Learn more about home warranty coverage options in North Carolina. 

Home Appliance Coverage

If you want a basic plan, you can choose home appliance coverage. These plans pay to repair or replace essential appliances, such as the:

  • Refrigerator
  • Washer and dryer
  • Dishwasher
  • Stove

When you buy such a plan, it will list all of the appliances that it covers. Keep in mind that it will only cover appliances that are currently in good working order. That means you cannot buy a plan for an appliance that needs repairing now and then make a claim. 

Major Home Systems

You can upgrade your plan to also include major home systems. This type of plan typically covers heating, plumbing, electrical, water heaters, and more. Because major home systems generally cost thousands of dollars to replace, it’s a good idea to cover them with a home warranty. Otherwise, you could end up having to find a way to come up with the money if something breaks.

Additional Coverage Options

Home warranty companies also offer additional options if you need more protection. You can add coverage for your pool and spa equipment, well pump, and more. You can even include additional refrigerators if necessary. Extra coverage makes it easy to customize the warranty to your needs.

What Isn’t Covered? 

It’s also important to understand what isn’t covered by a home warranty in North Carolina. First, these warranties do not cover repairs or replacements for items you can claim under your homeowners insurance. For instance, if an appliance is damaged due to a fire, you will need to claim that under your homeowners insurance instead of your home warranty. The same is true for stolen appliances and home systems. 

Cosmetic damage also isn’t covered under a home warranty. If something gets a ding or a dent on it, you cannot file for a replacement or repair. Your home warranty won’t also provide coverage if you misuse or fail to maintain your appliances or systems. Some policies require that you show proof of maintenance when making a claim. 

Home warranties are designed to cover normal wear and tear and nothing else. Even so, they can protect you financially since appliances and home systems aren’t built to last forever. 

Making a Claim on a Home Warranty

The process for filing a claim on a home warranty is pretty straightforward. You can usually file a claim over the phone or online. The company will send a contractor to your home to determine the problem. You’ll have to pay a service fee that’s usually between $60-$125 for this. Then, the technician will go over the issue with the company. The company will process the claim, and then the technician will repair or replace the item.   

Protect Your Finances With a Home Warranty in NC

With a home warranty, you don’t have to plan for appliance and home system breakdowns. Instead, you just need to pay for the warranty and service fee to get the repairs and replacement you need. Remember that you need to buy the warranty before the breakdown occurs, so don’t delay. Compare plans and pick a home warranty today. 

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