Home warranties are insurance policies that cover the repair or replacement of home appliances and systems. Coverage varies by policy, but may include items such as the furnace, air conditioning unit, plumbing, and electrical wiring. Most policies do not cover regular maintenance, such as changing the air filter or checking the smoke detectors. For that type of coverage, homeowners should consider a home maintenance plan.

Home warranties are insurance policies that cover certain repairs or replacements of appliances, systems (like plumbing or heating), and other home features in the event that they break down. Most policies do not cover regular maintenance like changing air filters or checking the smoke detectors, but you should always read your policy to be sure. Home warranties are a wise investment for homeowners, especially if they know they won't have the time or expertise to fix something when it goes wrong. It's important to remember, though, that a home warranty is not a replacement for regular home maintenance - it only covers things that break down unexpectedly.