Warranty how does it work

Learn more about home warranties vs. A home warranty will cover your home's critical systems and appliances that are in good condition when you purchase your plan.

When you enter a contract with a warranty company, it is important to review your contract and coverage before you need it. Imagine you've been using that lovely new refrigerator you purchased last year and then suddenly, as soon as the manufacturer's warranty expires, it dies on you.

If you don't have a home warranty, it may cost you hundreds or even thousands of dollars to fix or replace it. If you have a home warranty with HWA, you can file a claim online or with our customer service team and we'll take care of the rest. Once the claim is received, we'll connect you with an approved service provider to assess the problem and your appliance or system will be fixed as quickly as possible.

No, not even if you need to protect appliances or systems that aren't usually covered by a basic home warranty. When purchasing your homeowners warranty , you can usually choose premium or optional coverage to create the level of protection you need. For example, you may want coverage for a second refrigerator or outdoor pool.

These items are not typically covered by a standard home warranty, but they can be easily be added with HWA premium coverage. This coverage includes more than 30 items that are not usually included in other home warranty contracts. This is a small fee the homeowner pays to have the service provider come to the house to diagnose the problem. This fee covers the entire visit and the amount is clearly stated on every contract.

Not all breakdowns are covered. Our contracts explicitly state, section by section, what is covered in each plan and option and what is not. Our customer service team is available to walk you through the coverage details and answer all your questions.

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The written warranty is not the whole story Illustration: Shaw Nielsen. Laws give you more rights If you discover that something you bought is defective, contact the retailer and manufacturer to ask for a repair, replacement, or refund.

You have other protections, too Illustration: Shaw Nielsen. You may be able to satisfy a product complaint through other channels, including:. You do not need the service contract Extended warranties or service contracts are a bad deal. Warranties must be reasonable Illustration: Shaw Nielsen. Editor's Note: A version of this article appeared in the May issue of Consumer Reports magazine with the headline "Warranty Protection. Choose from cars, safety, health, and more! Already signed-up?

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