What’s a homeowners warranty?

A homeowners warranty is the same thing as a home warranty. It’s a means of protecting your investment, helping to covering the costs for repair or replacement of appliances or systems in your home that have broken down due to normal wear and tear.

This can range from kitchen appliances to your HVAC system and plumbing. Learn more about what a home warranty covers.

How do I use my home warranty?

If you have a home warranty, a time will come where you need to use it. It’s unfortunate, but all of the appliances and home system components around our homes will eventually break down.

How’s it different from homeowners insurance?

Just as homeowners insurance covers things a home warranty doesn’t, your home warranty covers circumstances that won’t fall under the policy with your insurance company.

Homeowner insurance is typically intended to protect you financially in the event of a serious accident that affects your home. These policies typically cover disasters including fire damage, theft and vandalism, damage from severe storms, even structural damage from a fallen tree.

Insurance on your house won’t cover the costs of repairing plumbing leaks, nor will it cover fixing your dishwasher, a malfunctioning sprinkler system, or issues with your clothes washer and dryer. For these situations, you want a home warranty.

Here’s a more comprehensive list of issues your home warranty can cover that homeowners insurance won’t touch:

Ultimately, home warranties and homeowners insurance work best together. They’re complementary, blending to offer the most comprehensive coverage you can have for your home.

You’ll find a more in-depth comparison of home warranties vs homeowners insurance on our blog.

Who can buy a homeowners warranty?

Existing homeowners can buy a home warranty for their house at any time. Of course, home warranties are also super popular among sellers and realtors, as they can provide interested buyers with peace of mind. This often leads to a higher sale price and a faster sell time.

To put it simply, if you deal in real estate, a home warranty can be a powerful add-on incentive for buyers.

How long does a homeowners warranty last?

Your homeowners warranty with HSC will last one year from the effective date of your service contract. This is a pretty standard term for most home warranties, and if you like your coverage, renewal is effortless.

Can warranties transfer to new homeowners?

Yes! Whether you’re moving next week or next year, buying a home warranty now is only going to benefit you. Home warranties are 100% transferrable at the time of sale, meaning it’s easy to pass the peace of mind from your service plan along to the new homeowner.

All aspects of your current coverage will transition to whoever buys your home. This includes the coverage for roof leaks offered free as part of every Home Shield CT plan.

For more information on home warranties and how they benefit sellers, check out our guide.

How much does a homeowners warranty cost?

Prices vary from plan to plan, which is why it’s important to consider the coverage you need. Fortunately, we make it easy to find the perfect plan for you. Naturally, quotes are completely free with no obligation.

Check out what our plans cover and get your free quote to save $150 on any plan and get two extra months free.

Why choose HSC for your homeowners warranty?

Beyond flexible plans, affordable premiums, and rave customer reviews, Home Shield CT is frequently rated among the best providers in the business.

Forbes gave us tremendous praise in their review of our service. The publication called us a “top home warranty provider,” writing:
“A home warranty can be an excellent option to protect your home investment. When coupled with a good homeowners insurance policy, you can have most of your bases covered.”

In the same review, they also gave HSC high marks for our pricing and plans structure:
“The company offers great discounts for new customers… and they offer multiple comprehensive plans and add-on coverage items so that customers can easily get the coverage that they need.”

This Old House also loved our “unique offerings and low premiums,” scoring us an 89/100, stating:
“Some of the company’s best features include free roof coverage, seasonal promotions, budget-friendly pricing, and distinct systems [and] appliances plans.”

MarketWatch recommend us for our “solid industry experience,” rating us a 4.5 out of 5, explaining:
“[HSC] stood out for its budget-friendly plan options, quick claim response time and solid reputation in the industry. It scored well for coverage options, plan pricing, trustworthiness, customer service, state availability and additional benefits.”