HomeWarrantyScope Team 
Quick answer: Does a home warranty cover a roof? Not a replacement. In the contracts we read, roof coverage is a limited leak benefit, often an add-on or a higher-tier feature, with a limit between $250 and $1,000. Storm damage is usually a homeowners insurance claim, not a warranty claim. Best for: a small leak … Read more
Checked against the original HWA contracts and its BBB profile. Last checked: November 12, 2026 (direct agreement and BBB profile); the real estate form was last read on November 7, 2026. Every figure below cites the form and section it comes from. Quick answer: Home Warranty of America (HWA) publishes two different contracts, and the … Read more
Quick answer: Liberty Home Guard scores 3.1 out of 5 with us. Its sample contract pays up to $2,000 per item, lets you cancel at any time, and sends disputes to binding arbitration. The BBB shows it as Not Rated (it was D+ when we first checked) and the company is not BBB accredited. The … Read more
Quick answer: First American Home Warranty scores 3.8 out of 5 with us. Its sample contract pays up to $3,500 per kitchen appliance on Starter and Essential and $7,000 on Premium. It has a 30-day review period, then a $50 administrative fee to cancel in most states. The BBB rates it B+. What the sample … Read more
Quick answer: AFC Home Warranty scores 3.9 out of 5 with us. All four sample contracts we read (Silver, Gold, Platinum and Diamond) pay up to $3,000 per item and $50,000 in total per contract term. Disputes go to binding arbitration in most states, and AFC is rated B by the BBB and accredited since … Read more
Quick answer: Home warranty vs home insurance comes down to what broke and why. Homeowners insurance pays for sudden, unexpected damage such as fire, storms and theft. A home warranty pays to repair or replace systems and appliances that wear out. They do not replace each other, so most homeowners need insurance first. Last updated: … Read more
Quick answer: Most home warranty companies do not require an inspection before you buy a plan, and no general law requires one. But your inspection report still matters. Several contracts treat problems that existed before coverage began as pre-existing, and that is the most common reason claims are denied. Last updated: October 29, 2026. Figures … Read more
Most sump pumps last 7 to 10 years. See the repair or replace age chart, 2026 costs, and who pays: your home warranty, your insurer or you.
We read the real 2-10 Home Buyers Warranty plan agreement and BBB profile: limits, exclusions, cancellation, arbitration, and our 4.0 score.
Last updated: October 21, 2026 Quick answer: A home warranty for sellers is a service contract you buy while your home is listed. It can cover heating, cooling, plumbing and electrical failures until closing, and the plan then passes to the buyer. It costs about $350 to $900 a year, and it is not proven … Read more
We read every message. We do not store your details on this website. This is general information, not legal advice, and we cannot process claims or cancellations.