So what exactly is the difference between Homeowners Insurance and a Home Warranty?

You may be asking yourself, "If I have homeowners insurance, why do I need a home warranty?

Your homeowner’s insurance is hazard insurance, and only covers items damaged in fires, flooding, wind, and other natural disasters. A home warranty repairs household appliances and mechanical systems that fail due to normal wear and tear. A home warranty is a service contract that helps protect homeowners against the cost of unexpected covered repairs of their major systems and appliances that break down due to normal wear and tear.

My mechanical systems and appliances are not new. Are they still covered?

Yes, the age of a home or its systems and appliances does not matter. Your Superior Home Warranty covers items that are in good working condition and properly maintained. In addition, Superior Home Warranty covers all makes and models of appliances and systems.

Can I enroll a Superior Home Warranty plan even if I am not in a real estate transaction?

Yes, you can purchase a Superior home warranty plan during home ownership. You do not have to be involved in a real estate transaction of any kind.

Do I need a home inspection before ordering a home warranty?

No. While it is a good idea to get your home inspected to make sure items are in good working order, a home inspection is not a required condition to enroll in a Superior home warranty plan.

When does coverage begin and when does it end?

Coverage begins upon receipt of payment and continues for 365 days from your start date. If you are able to provide proof of prior coverage through another warranty
carrier, Superior Home Warranty will be able to start your new coverage when your old policy expires.

If an item needs to be replaced, and the replacement unit is unavailable what happens?

If a covered item that needs to be replaced is not available. Superior Home Warranty will offer a buyout check for the amount of the replacement cost.

If I need service, what should I do?

Make one toll-free call to our Claims Department at 1-800-785-3019. Our call center is available 24 hours a day, 7 days a week, 365 days a year. Or you can submit your claim online.

Is there a service call fee?

No. That is what sets Superior apart from other home warranties! There is NEVER a per claim fee with Superior Home Warranty.*

Can I renew each year?

The plan may be renewable. In that event, you will be notified of the prevailing rate and terms of renewal.

* A $49 fee applies to any service call under the Gold Service Plan