Frequently Asked Questions

A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they break down due to normal wear and tear. Unlike homeowner's insurance (which covers damage from events like fires or storms), a home warranty covers mechanical and electrical failures of covered items such as HVAC systems, plumbing, electrical, kitchen appliances, and more.

MyHomeGuard offers comprehensive coverage:

• Heating & Cooling (A/C, thermostat, heat pumps)
• Electrical Systems (breaker panels, wiring, ceiling fans)
• Plumbing (pipes, waste vents)
• Kitchen Appliances (refrigerator, oven, dishwasher, microwave)
• Laundry Appliances (washer, dryer)
• Pool & Hot Tub (pumps, motors, plumbing)

Visit our coverage page for the full list of covered items.

Homeowner's insurance protects your home against unexpected events like fires, theft, and natural disasters. A home warranty covers the repair or replacement of home systems and appliances that fail due to normal wear and tear. The two work together to provide complete home protection — insurance handles catastrophic events, while a warranty handles everyday breakdowns.

No. MyHomeGuard offers flexible month-to-month plans with no long-term commitment required. You can cancel at any time. We believe in earning your loyalty through quality service, not locking you into a contract.

Claims are handled directly by our insurer's claims department. When a covered item breaks down, simply call the claims hotline number provided in your warranty agreement. A representative will verify your coverage, assign a qualified service technician, and coordinate the repair or replacement. Most claims are initiated within 24 hours of your call.

Yes. Like most home warranty plans, there is a service call fee (also called a trade call fee) that you pay each time a service technician visits your home. This fee is significantly less than the cost of a full repair or replacement. The exact amount depends on your plan — details are provided when you sign up.

Coverage for pre-existing conditions varies by plan. In general, home warranties cover systems and appliances that are in proper working order at the start of the contract. Items with known pre-existing issues may not be covered immediately. Review your specific plan agreement for details, or contact us for clarification.

Our insurer works with a vetted network of licensed and insured service providers to ensure quality repairs. In most cases, a technician from this network will be assigned to your claim. This ensures consistent quality and accountability. Contact the claims department if you have specific questions about the service provider assigned to your repair.

Home warranties typically do not cover:

• Structural components (roof, walls, foundation)
• Outdoor structures (fences, decks, sheds)
• Cosmetic defects or damage
• Items damaged by misuse, neglect, or improper installation
• Code violations or upgrades required by local regulations
• Damage caused by natural disasters (covered by homeowner's insurance)

Always review your specific plan documents for the complete list of exclusions.

Once a claim is filed, a service technician is typically dispatched within 24-48 hours. The total repair time depends on the nature of the issue and parts availability. Emergency situations (such as complete A/C failure during extreme heat) are prioritized. Our insurer's claims team will keep you informed throughout the process.

No home inspection is required to purchase a MyHomeGuard home warranty. Coverage begins according to the terms of your agreement. However, we recommend that all covered systems and appliances be in working order at the time of enrollment.

Getting started is easy. Fill out the quote request form on our website or call us at 1-866-770-8882. A team member will help you choose the right plan for your home and budget. There's no obligation — just a free quote to see how affordable protection can be.