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

Home warranties can be a helpful layer of protection for homeowners, but the details matter. Typically, these plans cover major systems (like heating, cooling, electrical, and plumbing) and essential appliances. You’ll find options for systems-only, appliances-only, or comprehensive coverage, with add-ons for things like pools or extra refrigerators if needed. It’s equally important to know what isn’t covered: structural components (think walls, foundations, roofs) and any preexisting conditions are usually excluded. Coverage limits and the fine print can differ from one provider to another, so I always recommend reviewing the specifics closely before making a decision. With years of experience guiding clients through both residential and commercial real estate in Middle Tennessee, I’ve seen how understanding these details can make a real difference during a home purchase or sale.