Heating & Air Conditioning
The most expensive thing in most homes to replace. Covered plans handle compressor failures, blower motors, thermostats and ductwork on your existing HVAC system.
Cover my HVAC →When your air conditioner quits in July or the water heater floods the garage, a home warranty can cover the repair or replacement instead of your savings account. We connect homeowners with home warranty providers — free, fast, and with no obligation.
Speak with a specialist in about 60 seconds. No forms. No spam. Just a straight answer on what coverage would cost for your home.
Homeowners insurance covers the fire, the storm, the tree through the roof. A home warranty covers the ordinary stuff that wears out — and it's usually the ordinary stuff that costs you thousands.
The most expensive thing in most homes to replace. Covered plans handle compressor failures, blower motors, thermostats and ductwork on your existing HVAC system.
Cover my HVAC →Tank or tankless. When it fails it usually fails all at once — cold showers, a wet floor, and a replacement bill that arrives the same week.
Cover my water heater →Interior supply lines, stoppages, valves, and fixtures. Plans differ on what's included in the wall versus under the slab — we'll walk you through it.
Cover my plumbing →Panels, breakers, wiring and switches. Older homes with aging electrical are exactly the ones providers still write coverage for.
Cover my electrical →Refrigerator, oven, range, cooktop, built-in microwave and dishwasher. Add-on options cover second refrigerators and ice makers.
Cover my appliances →Covered as a pair on most plans. Repair or replacement when the motor, belt, pump or control board goes.
Cover my laundry →Pools and spas, septic systems, well pumps, roof leaks, garage door openers, and guest units. Ask what's available for your property type.
Ask about add-ons →Systems and appliances bundled into one plan with one service fee. Usually the best value if your home is more than ten years old.
Compare whole-home →Buying a home with an aging furnace? Selling and want to make the listing easier to say yes to? There are plans built specifically for the transaction.
Talk through my situation →Comparing home warranty plans on your own means opening a dozen tabs and handing your email to every one of them. This is simpler.
You pay nothing to use this service or to get quotes. We're compensated by the providers, not by you.
No chatbot, no callback queue. You call, someone picks up and asks about your home.
Exclusions, waiting periods, service fees, coverage caps. We tell you where the limits are before you buy, not after.
Most plans don't require a home inspection and don't disqualify a house for its age. If your systems are old, that's usually the reason to have coverage.
Get the numbers, hang up, think about it. Nobody is going to chase you.
Single-family homes, condos, townhomes, mobile homes and rental properties. Availability and terms vary by state and provider.
Square footage, roughly how old the systems are, whether you've got a pool or a septic tank. That's about all it takes.
You get real plan and pricing options with the exclusions explained. Buy it or don't — either way the call was free.
This is the single most common point of confusion — and the reason a lot of homeowners find out too late that they weren't covered.
| What broke | Homeowners Insurance | Home Warranty |
|---|---|---|
| AC compressor died in a heat wave | Not covered | Typically covered |
| Water heater failed from age | Not covered | Typically covered |
| Refrigerator stopped cooling | Not covered | Typically covered |
| Kitchen sink drain backed up | Not covered | Typically covered |
| Electrical panel breaker failure | Not covered | Typically covered |
| Storm tore off part of the roof | Typically covered | Not covered |
| Kitchen fire damaged the walls | Typically covered | Not covered |
| Theft or vandalism | Typically covered | Not covered |
General comparison for illustration only. Actual coverage is determined solely by the terms, conditions, limits and exclusions of your specific policy or contract.
Two numbers matter: the annual or monthly plan cost, and the service call fee you pay each time a technician comes out. Both vary by provider, by plan tier, by what you add on, and by where you live. Rather than quote you a number that turns out to be wrong for your home, we'll get you real figures on the call.
Most plans have one — commonly around 30 days from purchase — which is why buying coverage after something has already broken generally doesn't work. Waiting periods vary by provider and state, and some are waived in real estate transactions. Worth asking about specifically.
Generally no. Home warranties cover breakdowns that happen during the contract term from normal wear and tear. A system that was already failing when you signed up is usually excluded. Some providers are more flexible than others about undetectable pre-existing conditions — ask.
Most providers don't require one for a standard plan, and the age of your home typically doesn't disqualify you. Systems still need to be in working order at the start of coverage.
Usually the provider dispatches from their own network of licensed contractors. A few plans will reimburse you for a technician you choose if you get authorization first. If having your own plumber matters to you, say so on the call — it narrows which providers make sense.
The plan replaces it, subject to the coverage caps in your contract. Those caps are the fine print that matters most — a plan with a low per-item limit on HVAC can leave you paying a meaningful share of a replacement. We'll flag where the limits sit.
Yes. HomeWarrantyNow.com is a free service that connects homeowners with home warranty providers. We're compensated by the providers we work with, which is how the service stays free to you. You're never obligated to purchase anything.
Coverage is available across the country. Plan availability, pricing and contract terms vary by state and by provider.
One call. No forms, no email address, no obligation. Just a straight answer about what a home warranty would run for your home.
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