Read answers to frequently asked questions.

What if your air conditioning breaks down? Could you afford the necessary repairs? Fixing or replacing a home's air conditioning, heating, and large appliances can cost hundreds or thousands of dollars. But you could actually save over the long run with a Home Warranty Plan.

	Q:	What is a home warranty plan?
	Q:	What's covered under these plans?
	Q:	Doesn't my homeowners insurance policy cover my heating and other systems?
	Q:	What happens if my covered refrigerator breaks down and is beyond repair?
	Q:	The home I'm buying is 60 years old. Can I still purchase a home warranty plan?
	Q:	I have manufacturer's warranties for my appliances. Why would I buy a home warranty plan?
	Q:	How do I find out more about my home warranty plan?
	Q:	What do I do if a covered system or appliance needs repair?
	Q:	What is a home warranty plan?
		It is either an insurance policy or a service contract that covers mechanical breakdown due to normal wear and tear for the major systems and appliances in your home.
	Q:	What's covered under these plans?
		Depending on the level of coverage you purchase, the plans may cover repair or replacement of heating systems, plumbing and wiring systems, and major appliances such as a washer, dryer, stove, refrigerator and dishwasher.
	Q:	Doesn't my homeowners insurance policy cover my heating and other systems?
		A typical homeowners policy does not insure against the breakdown of systems and appliances.
	Q:	What happens if my covered refrigerator breaks down and is beyond repair?
		If your plan includes your refrigerator as a covered item, the plan will replace your refrigerator with a new one of like kind and quality. Back to Top
	Q:	The home I'm buying is 60 years old. Can I still purchase a home warranty plan?
		Most plans cover a home's major systems regardless of age.
	Q:	I have manufacturer's warranties for my appliances. Why would I buy a home warranty plan?
		Manufacturer's warranties have expiration dates and they don't repair appliances after that date. A home warranty plan would repair or replace a covered appliance no matter how long you've owned it.
	Q:	How do I find out more about my home warranty plan?
		Your insurance agent can answer most of your questions. Contact us with questions about insurance coverage.
	Q:	What do I do if a covered system or appliance needs repair?
		Call the service provider number listed on your plan. A repair specialist will be scheduled to visit your home. Under most plans, you'll pay a small deductible when the repair specialist visits.

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