Common Myths About Home Warranty and How to Debunk Them


A home warranty is an insurance policy that covers the repair and replacement of certain home appliances and systems due to normal wear and tear. It’s an important service that many homeowners find invaluable, as it can save them a lot of money on costly repairs and provide peace of mind.

Unfortunately, there are a lot of myths out there about home warranty needs and services that can lead people to make decisions that don’t serve their best interests.

Myth No. 1: All Mechanical Systems Will Be Covered if You Purchase the Highest Level of Coverage

People always think that the highest coverage means that your warranty will cover all mechanical systems. However, this is not the case. While higher coverage may provide more extensive coverage than lower coverage, it only covers some things. Most home warranty companies have various levels of coverage, and not all secure all mechanical systems. This can include:

  • Mini split systems
  • Second refrigerator
  • Window AC units

Be sure to research and read the policy carefully to understand what is and isn’t covered under your chosen coverage level. This way, you won’t be surprised by your indicated home warranty needs if you need to file a claim.

Myth No. 2: You Will Get an Exact Model Replacement if Your System Cannot Be Fixed and Must Be Replaced

Various home contracts indicate you need to replace your existing systems with an exact model, which is not the case. Many home warranty companies will provide a similar model if the exact one is no longer available.

Aside from that, the replacement model will be of similar quality and performance since the home warranty company is not required to provide an exact model as a replacement. Be sure to read the policy carefully to understand what type of replacement you will get if your system cannot be fixed and must be replaced.

Myth No. 3: You May Select or Work With Any Contractor You Like to Do Your Diagnostics and Repairs

HomeMembership is unlike other home warranty companies because they do let you pick your own contractor to do the repairs. They must be licensed and insured.

The majority of home warranty companies require you to use their contractors. They have established relationships with these contractors and vetted them to ensure they meet their standards.

Sometimes, you can choose from a list of contractors the home warranty company provides. However, the final decision on which contractor will handle your repairs will be up to the home warranty company.

Myth No. 4: They Cover 100% Of Your Costs

Of course, your home warranty company can’t cover 100% of your costs. They have to make a profit. Home warranty companies typically charge a service fee for each job they do. This fee will vary depending on the company and the type of repair or maintenance that needs to be done.

HomeMembership has the lowest deductible for repairs. Make sure you check out their home warranty coverage brochure to get all the details.

Additionally, additional fees may be associated with certain types of repairs or maintenance, such as permits or parts. You may also be responsible for paying any deductible associated with your policy.

Final Thoughts

Many myths and misconceptions surround home warranties, leading to confusion and incorrect decisions. By being informed and understanding the facts, homeowners can make a more informed and comfortable decision about whether or not a home warranty is right for them.

Home Membership is a company you can rely on for your home warranty needs. We ensure our customers receive the best home coverage and provide the best customer service. Start a membership with us today!

A home warranty can save you money on home repairs!