What does a home warranty cover and what's excluded?

A home warranty covers major home systems like HVAC, plumbing, electrical, and appliances such as refrigerators and washers, protecting against repair or replacement costs. Plans range from systems-only, appliances-only, to combination coverage, with optional add-ons like roof leak, pool equipment, and sump pumps. Exclusions often include structural components, windows, outdoor features, and preexisting conditions. Coverage limits and fine print vary, so careful review is essential.