In the latest edition of Angie’s List newsletters, Staci Giordullo gives a lot of helpful information on home warranties. She writes: “A home warranty service contract isn’t an insurance policy that protects you from loss, but is meant instead to provide service.” Like with any contract, she suggests the consumer needs to shop around and read all the fine print. Make sure to pay attention to what is covered and what is excluded. Those are going to be the areas to compare to decide if it’s a policy you should purchase or not. In addition, Giordullo offers a general guide of what a homeowner can expect to find for coverage in each tier of service offered. Here’s what she suggests:
Basic Coverage
– Plumbing systems
– Range/oven
– Dishwasher
– Garbage Disposal
– Exhaust fans
– Sump pump
– Water heater
– Ceiling Fans
– Heating and electrical system components
– Built-in microwave
– Whirlpool tub
Enhanced Coverage
– A/C
– Washer/Dryer
– Refrigerator
– Garage Door Opener
Optional Items
– Pool
– Spa
– Well pump
– Septic system
– Standalone freezer
– Central vacuum
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