Help with covered home breakdowns — without the scramble
Home Warranty Shield provides home service contracts that help with the repair or replacement of eligible home systems and appliances when they break down from normal wear and tear.
When something stops working, you submit a service request, pay a service call fee, and we connect you with a qualified local technician. If the issue is covered under your agreement, we help handle eligible repair or replacement costs (subject to limits and exclusions).
Service contracts are not homeowners insurance. Coverage varies by state and agreement. See Terms and Privacy Policy.
Call us and we’ll give you a quick quote and explain what a home warranty service contract does (and doesn’t) cover.
- Your ZIP code
- Home type (single-family, condo, etc.)
- Any items you’re most concerned about (HVAC, plumbing, fridge, etc.)
What Home Warranty Shield is
A traditional, information-first home warranty company.
Home Warranty Shield offers home warranty service contracts that help homeowners manage unexpected repair costs for covered systems and appliances. The goal is simple: when a covered item breaks down from normal wear and tear, you shouldn’t have to spend hours finding a contractor, comparing bids, and hoping the fix is fairly priced.
Instead, you submit a service request. A technician diagnoses the issue. If the breakdown is covered, we coordinate next steps and help pay eligible repair or replacement costs under your agreement (limits and exclusions apply).
The service contract governs coverage. Site content is educational and may not reflect every state-specific rule or add-on.
What is a home warranty?
Most homeowners confuse it with insurance — here’s the clean explanation.
Home warranty
A home warranty is a service contract that can help cover eligible repairs or replacements for major home systems and appliances when they break down from normal wear and tear.
Typical examples include heating/cooling systems, plumbing, electrical, water heaters, refrigerators, dishwashers, and laundry appliances — depending on your agreement and location.
Homeowners insurance
Homeowners insurance typically covers certain sudden events (like specific damage scenarios). A home warranty focuses on covered breakdowns of household systems and appliances as a home ages.
Always check your insurance policy and your warranty agreement to understand what each one covers.
What we help with
No plan cards — just common coverage categories people ask about.
Home systems (common examples)
- Heating / cooling (HVAC)
- Electrical
- Plumbing (including certain leaks/stoppages)
- Water heater
- Ductwork / ceiling fans (where eligible)
Exact covered components and dollar limits vary by agreement and state.
Appliances (common examples)
- Refrigerator
- Oven / range / cooktop
- Dishwasher
- Washer / dryer
- Garbage disposal
Coverage depends on eligibility rules, maintenance requirements, and contract terms.
Optional items (availability varies)
Some service contracts can include optional items like roof leak repair, pools/spas, septic systems, or additional refrigeration. Availability can depend on your state and provider network.
How service requests work
A practical step-by-step flow.
Submit a request
Tell us what’s happening and when you’re available. For urgent issues, call support.
Service call fee
A service fee is typically charged for the technician visit and diagnosis (amount varies).
Diagnosis
A local technician evaluates the issue and confirms the recommended fix.
Repair or replacement
If covered, we coordinate repair or replacement subject to your contract limits and exclusions.
Transparency: what’s commonly excluded
This is where many homeowners get surprised — we’d rather be clear up front.
Coverage is generally intended for breakdowns from normal wear and tear. Most contracts exclude certain categories like cosmetic issues, improper installation, misuse/abuse, or non-covered components.
- Cosmetic damage (appearance-only issues)
- Problems caused by misuse, neglect, or improper installation
- Known or undisclosed pre-existing conditions (varies by contract)
- Costs above contract limits or outside covered scope
Always review the service contract for the exact exclusions, limits, definitions, and claim procedures.
FAQ
Quick answers to common questions.
Is a home warranty the same as homeowners insurance?
No. Insurance typically covers specific covered events. A home warranty focuses on covered breakdowns of systems/appliances from normal wear and tear.
Do I pay anything when I request service?
Usually yes — a service call fee is common for the visit/diagnosis, and covered repairs are handled per the agreement.
How fast is service?
Timing depends on your area and season (HVAC season can be busy). We try to schedule as quickly as possible based on availability.
What if something isn’t covered?
You may be responsible for non-covered items, upgrades, or costs beyond contract limits.