Question 1

What does the home warranty cover?

Accepted Answer

You choose exactly what's covered when you build your plan online. Coverage options include major home systems — HVAC, plumbing, electrical, water heater, and ductwork — plus everyday appliances such as the refrigerator, oven/range, dishwasher, washer, dryer, garbage disposal, and built-in microwave. Add the items you want; leave out what you don't need. All coverage is subject to the policy terms, exclusions, and per-item limits described in your agreement.

Question 2

How does the custom plan builder work?

Accepted Answer

Our online quote tool lets you select individual systems and appliances to cover. You'll see the exact monthly price update as you build. When you're satisfied, you complete checkout online — no sales call required. Your plan is then set up and administered by our warranty partner. The whole process takes about five minutes.

Question 3

How much does it cost?

Accepted Answer

You pay a one-time activation fee of $39.99 to get activated today. Monthly plans begin at $39/mo and go up based on the items you add. Pre-built tiers are also available: Basic $94.99/mo, Premium $124.99/mo, VIP $139.99/mo. You pick the date your activation fee is charged (up to 10 days out). Your monthly payment then repeats on your selected billing day each month. A 15-day waiting period applies before covered claims can be filed. Closing exception: 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. Standard plans carry a Up to $75 per claim service fee per claim.

Question 4

Do I need a home inspection before signing up?

Accepted Answer

No. Home Warranty Now does not require a home inspection to enroll. You fill out the online form, build your coverage, and check out — all in minutes. Coverage activates after the standard waiting period described in your policy.

Question 5

How does the claims process work?

Accepted Answer

When a covered item breaks, you file a service request through our warranty administrator. A licensed technician from our nationwide service network is then dispatched to diagnose and perform the covered repair or replacement. You pay the service fee directly to the technician at the time of service; covered parts and labor costs beyond that are handled under your plan.

Question 6

When does my coverage become active?

Accepted Answer

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. You'll see the exact start date in your welcome email and policy documents.

Question 7

Is there a home warranty that starts immediately?

Accepted Answer

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 - no waiting period, and no charge for the closing inclusion. Bought directly, coverage starts after the standard 15-day waiting period - half the 30-day wait the big brands publish. See homewarrantynow.shop/home-warranty-starts-immediately for the full comparison.

Question 8

Can I cancel my coverage?

Accepted Answer

Yes. You may cancel at any time according to the terms in your policy agreement. Refer to the cancellation section of your sample agreement for specific details, including any applicable refund schedule.

Question 9

Is this homeowners insurance?

Accepted Answer

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 — things a warranty does not.

Question 10

What is the service fee?

Accepted Answer

Service fee: up to $75 per claim (or actual cost of service, whichever is less), payable to the technician at the time of service. Per policy.

Question 11

Are there coverage limits?

Accepted Answer

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.

Question 12

Who performs the repairs?

Accepted Answer

Repairs are performed by licensed, vetted service technicians dispatched through our warranty administrator's nationwide contractor network. You do not need to find or schedule your own contractor for covered repairs.