A home warranty service is a contract that covers the repair or replacement of major home systems and appliances. Unlike homeowners insurance, which typically covers damages from unforeseen events like fires or natural disasters, a home warranty focuses on the mechanical breakdown of covered items due to normal wear and tear.

Home warranty coverage often includes major appliances such as refrigerators, dishwashers, and ovens, as well as key home systems like HVAC, plumbing, and electrical. Specific coverage can vary, so it's essential to review your policy for a comprehensive list of covered items.

To request service or file a claim, you can usually contact the home warranty provider through their customer service hotline or online portal. They will guide you through the process, arrange for a service technician to assess the issue, and determine if it falls under your coverage.

While coverage varies between providers, home warranties typically exclude pre-existing conditions, cosmetic damages, and items damaged due to homeowner negligence. Additionally, outdoor fixtures, like sprinkler systems or garage doors, may not be covered.