What Are the Common Issues That Home Warranties Cover?

electrical damage

Buying a home warranty can be an invaluable investment for homeowners, providing them with peace of mind and financial protection against costly repairs and replacements. It is a service contract that will cover the cost of repairing or replacing many appliances and systems in your home.

We hope to provide you with the information you need to make an informed decision about whether or not purchasing a home warranty is right for you. We’ve compiled some of the most common issues homeowners face and the financial benefits of purchasing a home warranty to help you better understand how this product can protect you.

Broken Refrigerator

The refrigerator is one of the most important equipment in your home. It keeps your food cold and preserves it for longer periods than if you did not have refrigeration. When your refrigerator breaks, it can be a very stressful situation. You will need to replace it as soon as possible to avoid spoilage and food poisoning.

The cost to repair a non-functioning refrigerator can vary greatly depending on the problem. If you have just experienced a small number of problems, such as a leaky door seal or a broken hinge, it should be at most $200-$300 to repair your refrigerator. However, if you have suffered extensive problems, like water seeping into the coils or an electrical short, then expect to pay upwards of $800-1,500 for repairs.

Broken Dishwasher

If your dishwasher has broken, it will likely cost you more than $200-$300 to repair. This should be relatively inexpensive if you have a small leak from the door or handle. However, if you have suffered problems, such as a broken pump or motor, expect to pay upwards of $450-600 for replacements.

Non-functioning Water Heater

The average cost to replace a water heater is $850. Problems, such as a broken heating element or a bad thermostat, will cost you upwards of $250-$300 to repair. If the problem is extensive, like an electrical short, expect to pay anywhere from $500 to $700 for repairs.

Heating, Ventilation, and Air Conditioning

Replacements for HVAC systems can cost around $5000 – $10,000, depending on the type of system you have and how old it is. The average homeowner’s HVAC unit will last around 15 years, so if yours is older, prepare to pay more for repairs or replacement. Repairs would range from $100-$600, depending on how extensive the problem is.

Electrical Issues

Electrical repairs can be very expensive. If you have broken electrical wiring or a breaker that needs to be replaced, expect to pay around $300-$400 for the service call and repair. If an electrical fire has affected your home, the costs will be much higher because the problem is much more extensive.


Home warranties are an important and wise investment for homeowners. Home warranties are a comprehensive coverage plan that covers major systems and appliances in the home, including heating and cooling systems, plumbing, electrical systems, kitchen appliances, and more, depending on the plan. Common issues that home warranties cover include repairs and replacements due to normal wear and tear and unexpected breakdowns. Before signing a contract, you should always read the fine print of a home warranty policy to understand exactly what is and isn’t covered.

Provide the protection that your home deserves. Contact Home Membership for your home warranty needs and take advantage of the peace of mind that comes with knowing your home is covered.