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What home warranties does not cover
Quick answer
Excluded by default: flood, earthquake, sinkhole, mold from neglect, gradual leaks, wear-and-tear, pest damage, and most business activity. Add endorsements or separate policies for each.
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Financing options
Most homeowners pay cash for smaller jobs, use a HELOC or home equity loan for larger projects, or take a renovation loan when equity is limited.
Insurance considerations
Homeowners insurance covers sudden, accidental damage from a named peril. Gradual wear and maintenance issues are excluded — a home warranty may help close that gap.
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Last updated: 1970-01-01