What does a home warranty cover and what’s excluded?

Home warranties are a frequent topic in my conversations with buyers, sellers, and investors alike. These plans can offer peace of mind by covering major systems and appliances in your home. Depending on your needs, you’ll find options for systems-only, appliances-only, or comprehensive coverage that includes both—with the flexibility to add extras as needed. However, it’s important to know that home warranties typically exclude structural components and preexisting conditions. Since coverage limits and plan details can differ significantly, I always recommend a close review of what’s included before making a decision. My background as both a Realtor and Loan Officer allows me to guide you through these details, helping you feel confident in your choices every step of the way.