Electrical Components Covered by Home Warranty Companies 

Home warranty companies provide homeowners with a financial safety net against costly repairs to appliances and systems. They can accommodate new homeowners after a builder’s warranty expires or when manufacturers’ warranties run out.

Home warranties typically cover the cost of repairs for electrical issues caused by normal wear and tear. However, many homeowners have questions about the specifics of their coverage.

Circuit Breakers

The electrical system in your home is a complex network of wires that powers everything from lights and appliances to the Internet and even sprinkler systems. It’s also vulnerable to broken light switches, faulty outlets, and wiring damage.

Fortunately, most home warranty companies cover these problems. A home warranty covers various electrical components, including light switches, receptacles, and basic wiring. A plan typically includes a set coverage limit and service fee, which you pay when you file a repair claim.

Home warranties cover breakdowns that occur due to normal wear and tear. But they don’t protect systems damaged by natural disasters or other “acts of god.” To get those covered, you’ll need homeowners insurance.

Panels

Whether your circuit breakers are constantly tripping or you need to replace a whole panel, these issues can be very costly. Home warranty companies can help you avoid those costs by paying a professional to repair them.

Inclusions for electrical system coverage vary by provider and plan, but most providers offer some plan that covers wiring and light fixtures. Some of the most popular providers include this coverage in their system and total plans, while others offer it as an add-on to create a more curated plan.

Regardless of the provider you choose, paying attention to the coverage limits is essential. Higher coverage limits typically mean a higher monthly plan cost, so choose wisely. Adding the proper coverage limit can save you money in the long run.

Outlets

The best home warranty providers provide comprehensive coverage of electrical systems, ensuring you don’t run into expensive repair bills in the future. Their plans vary slightly from provider to provider, so it’s important to carefully compare their inclusions and exclusions before deciding.

For instance, First American offers comprehensive electrical system coverage,

including receptacles and wiring. If you notice that an outlet feels loose or sparks when you plug in something, call First American to make a service request. The company can send a prescreened electrician to assess the issue and recommend a solution.

Switches

A home warranty company’s electrical coverage safeguards homeowners from expensive light switch repair and replacement costs. Whether a switch is broken or showing signs of wear and tear, a home warranty contract will repair or replace it quickly and easily.

Likewise, a home warranty plan protects customers from the costly installation of new wiring. This type of work requires professional expertise and skill to complete safely. Those who choose to tackle such projects on their own are often at risk of severe injury or worse.

With a home warranty, a simple call to customer service can get the ball rolling on getting an electrician in for a repair or replacement. Most companies allow claim submission online or over the phone. They will refer a local contractor and schedule an appointment.

Light Fixtures

Home warranty companies often include ceiling fans and lighting fixtures in their electric coverages, though the terms of their plans may vary slightly. For example, some warranty companies cover the cost of repairing or replacing ceiling fans that won’t turn on and even those with motors that stop churning. Similarly, the company covers the replacement costs of fixtures like lights and bulbs that are damaged or don’t work correctly. Please refer to your home warranty service agreement for detailed coverage information, exclusions, and dollar limits.