A home warranty is only valuable if you know how to use it. Many homeowners pay for coverage but don’t fully understand the process of filing claims, scheduling repairs, and maximizing benefits.
This step-by-step guide explains how to use your home warranty effectively—so when something breaks, you know exactly what to do.
Step 1: Know What’s Covered
Before problems arise, read your contract carefully. Standard warranties typically cover:
- HVAC systems
- Plumbing and electrical systems
- Kitchen appliances (dishwasher, oven, fridge)
- Laundry appliances (washer, dryer)
Remember: cosmetic damage, pre-existing conditions, and routine maintenance are usually excluded.
Step 2: Identify the Problem
When something breaks down:
- Check the basics first: Is it plugged in? Is the circuit breaker tripped?
- Look for simple fixes: Some issues may not require a technician.
- If it’s a covered breakdown, proceed to file a claim.
Step 3: File a Claim
- Online Portal/App: Many providers have mobile apps for fast submissions.
- By Phone: Call customer service if it’s an emergency.
- Provide Details: Include your policy number, appliance/system type, and problem description.
Step 4: Pay the Service Fee
Most warranties require a service call fee (around $50–$150). This covers the technician’s visit, whether it’s a repair or replacement.
Step 5: Technician Visit
Your provider assigns a licensed contractor who will:
- Diagnose the issue
- Confirm coverage
- Perform repairs or order replacements
Step 6: Repair or Replacement
If the item can’t be repaired, you may receive a new unit or a cash payout (up to coverage limits).
Tips to Maximize Your Home Warranty
- Schedule Preventive Maintenance: Keep systems running efficiently.
- Keep Documentation: Save all service records.
- Understand Renewal Terms: Costs can increase annually—review before renewing.
- Customize Coverage: Add optional coverage for pools, septic systems, or extra appliances.
Using your home warranty isn’t complicated, but it does require knowing the process. From checking coverage to filing a claim and scheduling service, following these steps ensures you save money, reduce stress, and keep your home running smoothly.