A home warranty generally covers the repair or replacement of major systems and appliances in your home. Coverage can vary from policy to policy, but most will include HVAC, plumbing, and electrical systems as well as appliances like refrigerators and washing machines. It's important to read the terms and conditions of any policy before you buy, as not all warranties cover the same things. For example, some policies may only cover repairs, while others will also cover replacements. And some policies may have deductibles or exclusions for certain types of damage. So be sure to ask plenty of questions and make sure you understand what is and isn't covered before signing up.

A home warranty program generally includes coverage for the following items and systems in your home: - Air conditioning - Heating - Electrical systems - Plumbing - Appliances (refrigerator, dishwasher, washer, dryer, etc.)