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Home warranty contracts do not cover all home repairs. Basic home warranty coverage includes the main systems of the home and certain appliances. Most companies cover plumbing, electrical, heating systems, as well as refrigerators, dishwashers, and Microwave ovens. Some charge additional coverage for appliances such as clothes washers and clothes dryers. A home warranty company will pay for the cost to repair or replace the system or appliance, as long as it has broken down from normal wear and tear. If the system or appliance failed because it wasn’t maintained the water heater was not flushed or the fridge’s evaporative coils were not cleaned, most home warranty contracts will not cover the cost to repair or replace it. Home warranties exist to repair or replace old worn out systems that have been properly cared for by the homeowner. Buyers should read the home warranty contract carefully to understand coverages, limitations, and exclusions. Most home warranty contracts will state that repairs and replacements will not be covered if the problem was known prior to the date of coverage. This is sometimes referred to as a known condition. Most often, homeowners run into this problem when purchasing a home.

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The following guidelines will be implemented to provide a repair/replacement allowance.

You have protection in knowing that you and your family are covered in an accident or home emergency.

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She did say it manages more than one million claims per year.

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