Home warranty

A home warranty is usually a service contract for covered systems and appliances — HVAC, water heaters, and similar items — not a replacement for homeowners insurance that pays for fire, wind, or liability.

What it often covers

• Repair or replacement of listed systems and appliances after mechanical breakdown
• Service calls arranged through the warranty administrator
• Optional add-ons for pools, well pumps, or other items when offered

How it differs from homeowners

Homeowners insurance responds to many sudden, accidental losses (subject to your policy). Warranties focus on wear-and-tear style failures of covered equipment. You may want both — they solve different problems.

What to ask an agent

• Age of major systems and what’s already failing
• What’s included vs. excluded in the contract
• Service fees, claim process, and contract length

Educational only — not a quote, coverage guarantee, or legal advice. Availability varies by ZIP, carrier, and underwriting. Talk with a licensed Asshield agent for options that fit.

Explore more: Specialty hub · All coverage · Home insurance