Home warranty

Protection for the things that break

A home warranty is a service contract that helps cover repair or replacement when major systems and appliances fail from everyday use — a steadying option for first-time buyers and for military families renting out a home from another duty station.

See warranty options See what’s covered
  • A service contract, not insurance
  • Built for landlords managing from afar
  • One call to file a covered claim
  • Free to explore your options
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Home systems and appliances a plan can cover
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Warranty providers across the network
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Sample plan tiers to compare side by side
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Cost to explore your options

Illustrative figures for general context only. A home warranty is a service contract, not insurance. Providers set coverage, exclusions, eligibility, and pricing; the sample coverage shown on this page is illustrative. Exploring options through VPN is free to you.

Warranty vs. insurance

Two different jobs, side by side

People mix these up all the time. A warranty and a homeowners policy protect different risks — and most owners end up carrying both. Here is where each one fits.

What a home warranty covers

Breakdown from normal use and age
  • Heating and cooling that stops working after years of everyday use.
  • Plumbing and electrical components that wear out or fail mechanically.
  • Kitchen and laundry appliances that break down between tenants or seasons.
  • Repair or replacement of a covered item, coordinated by the provider.

What homeowners insurance covers

Sudden, accidental loss
  • Fire, smoke, and many weather events such as wind and hail.
  • Theft of belongings and certain kinds of vandalism.
  • The dwelling structure itself and personal liability.
  • Loss of use when a covered event makes the home uninhabitable.
A home warranty is not insurance. It is a service contract for mechanical breakdown from ordinary use, while a homeowners policy handles sudden, accidental loss like fire, theft, or storms. The two are meant to work together — compare coverage on our insurance page too.

General education only, not coverage advice. Whether an item or event is covered depends on the specific warranty contract or insurance policy, its terms, and its exclusions. Confirm the details with the provider or a licensed carrier.

Inside a plan

What a home warranty covers

Scroll across the systems and appliances a plan can protect. What is actually included depends on the provider and the plan you choose.

Compare sample plans
System

Heating and cooling

Central A/C and heating that a plan can cover when the system fails from age and everyday wear, not from damage.

System

Plumbing

Covered plumbing components, stoppages, and fittings inside the home, subject to the plan’s terms and limits.

System

Electrical

Wiring, panels, and electrical components that stop working from normal use, up to the coverage the plan defines.

System

Water heater

The water heater that fails mechanically over time — often one of the first big-ticket items a plan pays toward.

Appliance

Kitchen appliances

Built-in oven, range, dishwasher, and microwave covered against breakdown between tenants or seasons.

Appliance

Washer and dryer

Laundry appliances that a plan can add, so a broken unit does not become an out-of-pocket surprise.

System

Ductwork

Air-handling ductwork covered against covered failure, keeping the heating and cooling system moving air.

Add-on

Garage door opener

A common optional add-on, along with items like ceiling fans, depending on the provider and plan.

Sample coverage

Compare sample plans by tier

Providers usually package coverage into tiers. Switch between them to see the kind of coverage each one tends to include. These are illustrative samples — the provider sets the actual coverage, exclusions, and price.

Sample coverage

Systems plan

  • Heating and cooling — central A/C and heating components.
  • Plumbing system — covered components and stoppages.
  • Electrical system — wiring, panels, and components.
  • Water heater — a frequent big-ticket repair.
  • Ductwork — air-handling for the HVAC system.

Sample coverage is illustrative and for general education only — it is not a quote, an offer, or a description of any specific contract. A home warranty is a service contract, not insurance. The provider sets the covered items, dollar limits, exclusions, service fees, eligibility, and pricing, and terms vary by plan and by state. Confirm what a plan covers with the provider before you rely on it.

What you get

Why families add a warranty

A warranty will not fit every home, but for the right owner it turns an unpredictable repair bill into a known service fee — and takes work off your plate when you are far from the property.

Predictable repair costs

A covered breakdown becomes a set service fee per visit instead of a full repair or replacement bill you did not plan for.

One call to file a claim

Report a covered failure and the provider dispatches a technician, so you are not vetting contractors from three time zones away.

Reassurance for first-time buyers

Stepping into an older home’s systems is easier when a plan sits behind the water heater, furnace, and appliances.

Built for remote landlords

If you keep a home and rent it out during a PCS, a warranty helps a tenant get a repair moving while you manage from afar.

Repair or replace covered items

When a covered item cannot be fixed, many plans move to replacement — within the contract’s limits and terms.

Free to explore

Comparing options and getting matched with a provider costs you nothing and carries no obligation. You choose the plan.

How it works

From your home to a plan in place

1

Tell us about the home

Its age, the systems and appliances you want to protect, and whether you live there or rent it out.

2

Get matched with providers

We connect you with warranty providers that fit your home and situation, usually within a business day.

3

Choose a plan

Compare sample coverage and service fees, ask about exclusions, and pick the tier that fits. You are never obligated.

4

File a claim with one call

When a covered item fails, the provider dispatches a technician — handy when you are managing from another duty station.

Provider directory

Representative providers on the network

A sample of the kinds of warranty providers we match families with. These are representative examples of coverage focus — not quotes, endorsements, or a complete list.

You pay nothing to get matched or compare. There is no cost to you for the introduction and no obligation to move forward — you choose the provider, and you pay only the plan and service fees you agree to.
Representative

Garrison Home Protect

Whole-home plans that bundle major systems and appliances into a single coverage tier for owner-occupants.

Systems Appliances
Representative

Frontline Home Warranty

Landlord-friendly plans for a home you keep and rent out, with tenant-facing claim intake for remote owners.

Landlord Tenant claims
Representative

Sentinel Systems Coverage

Systems-focused plans centered on heating, cooling, and water heaters — the big-ticket mechanical failures.

HVAC Water heater
Representative

Anchor Home Service Plans

Appliance-first coverage for kitchen and laundry units, with optional add-ons like garage door openers.

Appliances Laundry
Representative

Ready Response Warranty

Fast-dispatch service network built around quick technician scheduling for time-sensitive PCS windows.

Fast dispatch One call
Representative

Homefront Coverage Co.

Multi-property plans for families holding more than one home across duty stations, managed under one account.

Multi-property Complete

Providers shown are representative, illustrative examples of the kinds of warranty companies on the network — not quotes, endorsements, or a complete list, and availability varies by state. Veteran Property Network is not a warranty provider or insurer; a home warranty is a service contract, and coverage, exclusions, service fees, eligibility, and pricing are set by the provider. Comparing and getting matched is free to you. Where a participating partner compensates VPN, any such arrangement is structured to comply with applicable law — including RESPA where the service is a settlement-service — and this page is advertising and marketing.

Common questions

Home warranty questions, answered

No. A home warranty is a service contract that helps cover repair or replacement when covered systems and appliances break down from normal use. Homeowners insurance covers sudden, accidental loss such as fire, theft, or storm damage, plus the dwelling and liability. Most owners carry both, and they are meant to work together.
Plans commonly cover mechanical breakdown of items like heating and cooling, plumbing, electrical, water heaters, and kitchen and laundry appliances. Common exclusions include pre-existing conditions, improper installation, cosmetic damage, and items covered by insurance. The specific covered items, limits, and exclusions are set by the provider and the plan, so read the contract before you rely on it.
The provider does. Warranty plans usually have an annual or monthly plan cost plus a service or trade-call fee you pay each time a technician visits. Both vary by provider, plan tier, add-ons, and state. VPN does not set or quote prices — we match you with providers who can.
It can be. When you keep a home and rent it out during a PCS, a warranty gives a tenant a single number to call for a covered breakdown and turns an unpredictable repair into a known service fee. It does not replace a landlord or dwelling insurance policy, and it is not property management — see our property management page for hands-on leasing and maintenance.
It is the flat amount you pay the provider each time you request a service visit for a covered item, regardless of the repair cost. It is separate from the plan cost. The exact amount is set by the provider and the plan you choose.
No. Comparing and getting matched is free to you, with no obligation. Where a participating partner compensates VPN, the arrangement is structured to comply with applicable law and this page is advertising. You choose the provider and pay only the plan and service fees you agree to.
Related services

Round out the move

Homeowners & renters insurance

Compare coverage for sudden, accidental loss — the risks a warranty does not touch — from military-fluent carriers.

Compare coverage

Property management

Hand your home to a vetted manager while you PCS — leasing, maintenance, and rent, handled on the ground.

Explore management

List your property

Keep the house when you move and list it for rent in minutes, then add a warranty and coverage behind it.

List your property

Ready to see your warranty options?

Tell us about the home and what you want to protect, and we will match you with providers that fit. Free to explore, no obligation.

See warranty options Become a partner