15 Questions To Ask Home Warranty Companies
Buying a home warranty is one of those decisions where a little homework goes a long way. You want to avoid surprises after signing up and find a company that treats you fairly when things break down. But with so many home warranty companies out there, how do you know which one fits your needs? Asking the right questions upfront can save you time, money, and stress later.
Whether you’re a first-time buyer or just curious about home warranty coverage, this guide covers key questions you should ask before you buy a home warranty. These questions will help you understand what you’re really getting, how claims work, and what costs might pop up unexpectedly.
What Does the Warranty Cover?
This sounds obvious, but the details matter. Different companies cover different appliances and systems. Some cover just basic appliances like refrigerators and ovens, while others extend to HVAC, plumbing, and electrical systems.
Ask for a list of covered items and check the fine print for exclusions. Some warranties exclude older or pre-existing problems. Find out if optional coverage is available for items like pools, well pumps, or septic systems. The last thing you want is to find out after a breakdown that the problem isn’t covered.
How Are Repairs Handled?
Home warranty companies don’t usually fix things themselves. Instead, they send out contractors or repair techs. Ask how those contractors are selected, and if you get to choose your own.
Find out if the company has a network of licensed and insured technicians. Some companies let you hire your preferred repair person, but others require you to use their list. Knowing this ahead of time avoids awkward surprises when you need service.
What Does the Service Call Fee Look Like?
Almost every home warranty requires a service call fee or deductible each time you request a repair. This fee covers the technician’s visit and diagnosis.
Ask how much this fee is, if it varies by plan, and if there are any situations where it could be waived. Some companies have flat fees while others use a sliding scale. Understanding this charge helps you budget and prevents sticker shock when the technician arrives.
Complete Protection™ is one of the only home warranty companies that pay the service call fee on your behalf so that you’re not stuck with a deductible upfront each time you file a claim.
Are There Limits on Repair Costs?
Even if a repair is covered, some warranties cap the amount customers will pay for a single repair or appliance during the contract period.
Ask about these limits so you don’t get hit with a bill that exceeds your warranty. Sometimes companies limit coverage based on the age or condition of the appliance. Knowing these caps allows you to decide if a plan is worth the price.
How Quickly Are Claims Processed?
Speed matters when your heater breaks in the middle of winter or the dishwasher stops working before a big dinner. Ask how long it usually takes from claim filing to repair completion.
Some companies promise same-day or next-day service, while others can take weeks. Look for reviews and customer experiences related to claim turnaround. Fast response times can make a huge difference when you’re dealing with a broken appliance.
What Is the Duration and Term of the Warranty?
Most home warranties last for one year with the option to renew. Ask about contract lengths and how renewals work.
Some companies offer monthly plans without long-term commitments, while others require a full year upfront. Knowing how to cancel or renew your plan gives you control and flexibility.
Can You Customize Your Coverage?
When it comes to home warranties, one size doesn’t fit all. Ask if you can add or remove coverage for specific appliances or systems.
Maybe you only want coverage for your HVAC and plumbing, or perhaps you wish to protect high-end appliances. Customizable home warranty plans let you tailor protection to your home and budget.
What Happens If the Appliance Needs Replacement?
Some home warranty plans cover repairs only. Others will replace an appliance if it cannot be fixed.
Ask how replacement decisions are made and if the warranty pays for a new appliance of the same quality or brand. Also, find out if you have any say in the replacement product.
Are There Any Exclusions or Conditions That Void Coverage?
Read carefully about what might void your coverage. Many warranties exclude damage caused by neglect, misuse, or lack of maintenance.
Ask what responsibilities you have as a homeowner to keep appliances in good shape. Some companies may deny claims if routine maintenance wasn’t performed.
How Are Disputes Handled?
If a claim is denied or you disagree with a repair, what are your options? Ask about the company’s process for handling disputes or appeals.
Knowing you have a path to resolve disagreements can prevent frustration and wasted time.
Is There a Waiting Period After Signing Up?
Some home warranties have a waiting period before coverage starts. This prevents people from buying coverage only after an appliance breaks.
Ask how long the waiting period is and if emergency repairs are covered during that time.
What Kind of Customer Support Is Available?
When your fridge stops working on a Saturday, you want help fast. Ask if the company offers customer support on nights and weekends, and if you speak to real people instead of automated menus.
Good customer support can make a rough situation much easier.
Are There Discounts for Real Estate Transactions?
If you’re buying a home or selling one, some warranty companies offer discounts tied to real estate transactions. Ask if such discounts exist and how to claim them. These savings can be worth a lot when juggling closing costs.
How Do You File a Claim?
Knowing the claim process is important. Ask if claims can be filed online or by phone and what information you’ll need to provide. A simple and clear claims process reduces stress during breakdowns.
Can You Transfer the Warranty if You Sell Your Home?
Some home warranties are transferable to new owners. This can be a selling point if you’re planning to move. Ask if transfer is allowed, if there are fees involved, and how to initiate the transfer.
Customizable Home Warranty Plans for Every Home and Budget
Buying a home warranty is a smart way to avoid unexpected repair costs, but only if you pick the right plan and company. At Complete Protection™, we make buying a home warranty simple and straightforward. Our customizable plans cover appliances, HVAC systems, plumbing, electrical, and more—all designed to fit your home and budget. With no deductibles, live customer support, and fast claim processing, we stand by you when repairs are needed.
Whether you’re a first-time buyer or a seasoned homeowner, our team is here to answer your questions and help you choose the best coverage. Call us at 800.978.2022 or visit our website to get a quote today. Protect your home and enjoy peace of mind with Complete Protection™, the smart choice for homeowners who want reliable coverage and hassle-free service.