However, that doesn’t mean you don’t have coverage for your windows. There are many options; you have to know what includes windows and what doesn’t.

But before we get started, let’s discuss what a home warranty is and what they typically cover in their policies.

What is a home warranty?

You may have seen the advertisements, perhaps you’ve heard of them from a friend, maybe you received a one-year warranty when you purchased the home – regardless, home warranties are all the buzz. Sometimes, peace of mind is worth it, but that’s up to you.

Home warranties cover a range of areas throughout your home but generally, they cover appliances and systems found in most residences. Most plans cover items such as the refrigerator and air conditioner; however, you can add in other things for a premium as well. Do you own a pool? You can get the pump and filtration system covered as well.

So what about your windows? You might have just installed 10-20 windows throughout your home, and you want to protect your investment. That’s understandable, but I wouldn’t count on your home warranty to replace them.

Windows have their own warranty.

Most window manufacturers offer their own warranties. Keep in mind these warranties generally cover the product and labor from defect, but that’s not to say some companies don’t go above and beyond.

Let’s take a look at SunShield vinyl windows. They have one of the best warranties in the industry. Their Double Lifetime Warranty is covers parts, labor, and glass replacement for life. It’s all completely free and included when you purchase their windows. Taking it even a step further, their warranty is transferable to a new homeowner if you decide to sell your house. That’s is a fantastic selling point potential buyers may be interested in.

It’s worth noting that SunShield’s warranty is on select window systems that they offer. So, as with any contract, be sure to read it thoroughly and completely understand what is covered. Warranties vary from manufacturer to manufacturer, and some are transferrable, and some cover various aspects of the window.

Homeowners insurance vs. home warranty vs. window warranty.

At this point, we’ve talked about a couple of different types of warranties. Another topic that often gets thrown in is homeowners insurance. It’s essential, however, to understand the difference between these three things with regards to windows.

• Window warranty. These are strictly for the windows. Sometimes they cover glass. Sometimes it is just parts and labor, and some even offer a total replacement. Be sure to inquire with the manufacturer as to what is covered.
• Home warranty. These usually cover appliances and systems throughout your home, so windows are out of the question. Most home warranty policies don’t cover structural issues, and windows are considered part of the structure.
• Homeowners insurance. This may or may not cover your windows, but it boils down to how the window is broken. If the window is damaged or destroyed due to severe weather or other natural phenomena, it may cover the repair costs. However, if a baseball makes its way through a window, then you’re most likely on your own for that repair.

Knowing what coverage you have and what policies cover various damages will go a long way in protecting your investment.

What is covered by a home warranty?

We’ve talked about windows and home warranties, but what are some of the other things that are generally covered by a home warranty? If windows aren’t usually covered, then what is?

Here are some of the more common items covered by home warranty policies:

• Plumbing
• Electrical
• Heating and air conditioning
• Refrigerator
• Washer and dryer
• Stove

This, of course, is not all-inclusive. It would be impossible to list every variation of every policy, so be sure to ask the home warranty company what is covered. They might have different plans that offer different levels of coverage deductibles and have other terms.

Read the fine print!

Whether you’re digging through a home warranty, window warranty, or even homeowners insurance policy, be sure to read the fine print. These companies exist to turn a profit, so they try to limit the abuse of their warranties by explicitly spelling out what is covered and what is not. Don’t just take the sales representative’s word for it. Get all of your coverage in writing.

It might seem tedious, and you may think that nobody reads those terms and conditions, but if you want a complete understanding of what you’re getting, you should read it before your purchase a policy.

Another great source of information is the reviews on the home warranty company. How do they serve other homeowners? Are their claims processed quickly, or do they look for ways to avoid paying out claims on technicalities? A quick search for reviews will help out tremendously. These reviews might be on Google, BBB, or any other platform, but be sure to get a complete look at the company.

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Windows are not typically covered under your home warranty, though this may vary depending on the company. Another policy, such as homeowners insurance or manufacturer warranty, may cover various forms of damage.

Homeowners should read the warranty carefully and understand what is and isn’t covered before making a purchase. It’s important to know what your coverage entails to protect your investment in case of damage.

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FAQ: Understanding Home Warranties and Window Coverage

What is a home warranty?

Answer: A home warranty is a service contract that covers the repair or replacement of major home appliances and systems, such as refrigerators, air conditioners, plumbing, and electrical systems. These warranties provide peace of mind by protecting homeowners from unexpected repair costs.

Do home warranties cover windows?

Answer: Generally, home warranties do not cover windows. They are typically focused on appliances and systems within the home. For window coverage, you would need to look at specific window warranties offered by manufacturers or check if your homeowners insurance includes coverage for window damage.

What is a window warranty?

Answer: A window warranty is provided by the window manufacturer and covers defects in the product and, in some cases, labor for repairs or replacements. The coverage details vary by manufacturer. Some warranties, like SunShield’s Double Lifetime Warranty, offer extensive coverage, including parts, labor, and glass replacement, and may even be transferable to new homeowners.

What is the difference between a home warranty and homeowners insurance?

Answer: A home warranty covers repairs and replacements of home systems and appliances due to normal wear and tear. Homeowners insurance, on the other hand, covers damage to the home’s structure and contents caused by events like natural disasters, theft, or accidents. Homeowners insurance may cover window damage depending on the cause of the damage.

When do you need a permit for door replacement?

Answer: You need a permit for door replacement if you are making structural changes, such as installing a larger door or adding sidelites. If you are simply swapping one door for another without changing the structure, a permit is usually not required. Always check with your local building department to confirm permit requirements.

What items are typically covered by a home warranty?

Answer: Common items covered by home warranty policies include:

• Plumbing systems
• Electrical systems
• Heating and air conditioning
• Refrigerators
• Washers and dryers
• Stoves

Coverage can vary, so it’s essential to read the specific terms of your home warranty policy.

What should I consider when choosing a home warranty or window warranty?

Answer: When choosing a home warranty or window warranty, consider the following:

• Coverage Details: Understand what is and isn’t covered by the warranty.
• Terms and Conditions: Read the fine print to avoid surprises later.
• Cost: Compare the cost of the warranty with the potential benefits.
• Reputation: Look for reviews and ratings of the warranty provider to ensure they have a good track record for customer service and claim processing.

What happens if I don’t get a permit for door replacement?

Answer: If you undertake a door replacement that requires a permit without obtaining one, you may face fines and be required to redo the work with the proper permits. This ensures the project meets safety and zoning requirements. It’s always best to obtain the necessary permits to avoid legal issues.

How can I check what is covered by my home warranty?

Answer: Review your home warranty policy document, which outlines what is covered. If you have questions, contact the home warranty company directly. They can provide details on coverage levels, deductibles, and any optional add-ons.

Why is it important to read the fine print of a warranty?

Answer: Reading the fine print ensures you fully understand the coverage, limitations, and exclusions of the warranty. This helps you avoid misunderstandings and ensures you know what to expect if you need to make a claim.

How can I find reliable reviews of home warranty companies?

Answer: Look for reviews on platforms like Google, the Better Business Bureau (BBB), and other review websites. Reading customer experiences can provide insights into the company’s service quality, claim processing efficiency, and overall reliability.