{"faqs":[{"a":"No. Home Warranty Now does not require a home inspection to enroll. You fill out the online form, build your coverage, and check out in minutes.","q":"Do I need a home inspection before signing up?"},{"a":"You pay a one-time activation fee of $39.99 to get activated today. The fee is charged on the date you pick, today through 10 days out. Monthly pricing then varies by the coverage items you select. If your plan is included in the closing of your home, we don't charge anything, and you don't have a waiting period, as long as you have an inspection with your closing.","q":"How much does it cost?"},{"a":"Three plan tiers (Basic, Premium, and VIP) plus a build-your-own plan covering cooling, heating, plumbing, and major appliances: refrigerator, range/oven, dishwasher, washer, dryer, built-in microwave, and garbage disposal, with optional add-ons.","q":"What does the home warranty cover?"},{"a":"Coverage becomes active after a 15-day waiting period from your enrollment date. This is standard across the home warranty industry and protects against claims on pre-existing conditions.","q":"When does my coverage become active?"},{"a":"Yes, in one case: if your plan is included in the closing of your home and the closing includes an inspection, coverage starts on closing day, with no waiting period and no charge for the closing inclusion. Bought directly, coverage starts after a 15-day waiting period - half the 30-day wait published by American Home Shield, First American, Choice, and Select. Full comparison: https://homewarrantynow.shop/home-warranty-starts-immediately","q":"Is there a home warranty that starts immediately?"},{"a":"When a covered item breaks, you file a service request online or by phone. A licensed technician from the nationwide service network is dispatched. You pay the service fee to the technician at the time of service; covered parts and labor beyond that are handled under your plan.","q":"How does the claims process work?"},{"a":"Up to $75 per claim (or actual cost of service, whichever is less), payable to the technician at the time of service.","q":"What is the service fee?"},{"a":"No. A home warranty is a service contract, not insurance. It covers repair and replacement of specific home systems and appliances that fail from normal wear and tear. Homeowners insurance covers structural damage, theft, and liability.","q":"Is this homeowners insurance?"},{"a":"Yes. You may cancel at any time according to the terms in your policy agreement. Every new policy also has a 30-day money-back guarantee.","q":"Can I cancel my coverage?"},{"a":"Yes. Every plan has per-item limits of liability. Individual systems and appliances have specific dollar caps on repair or replacement costs. Full details are in the sample agreement, which you can review before checkout.","q":"Are there coverage limits?"},{"a":"The continental United States except Arkansas, California, Colorado, Florida, Louisiana, Massachusetts, Minnesota, Montana, Nevada, New Mexico, Ohio, Washington and Wisconsin.","q":"What states are covered?"}],"last_updated":"2026-11-07","source":"https://homewarrantynow.shop/faq"}