Your Home Insurance Has a Gap Most Homeowners Never Know About (Until It’s Too Late)
Your homeowner insurance won't cover normal wear and tear. Here's the simple fix most people set up after their first big breakdown — and wish they had done sooner.
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Most homeowners discover this the hard way — after the check has already been written.
The AC quits during a heat wave. The refrigerator dies on a Friday night. The water heater starts leaking on a Sunday morning.
In every one of these situations, most homeowners assume their insurance will cover it. It won’t.
Standard homeowner’s insurance is built for sudden damage — storms, fires, floods. Normal wear and tear is explicitly excluded from nearly every policy written in the United States. That means when your HVAC system wears out after 15 years, you’re paying out of pocket — often $4,000 to $8,000.
“You can be fully insured and still write the check yourself when something breaks down. Insurance was never designed to cover this.”
✓ See If You Qualify — Free Quote in 60 Seconds
The Fix Is Simpler Than Most People Realize
A home warranty is a low-cost service contract that covers exactly what insurance doesn’t: breakdowns from normal wear and tear. For about what most households spend on a streaming subscription each month, you get full repair or replacement coverage on the systems and appliances you rely on every day.
Choice Home Warranty is one of the most-used providers in the country:
- ✓ 25,000+ pre-screened local technicians
- ✓ 8 million+ claims handled
- ✓ Available 24/7 — nights, weekends, holidays
- ✓ Covers heating, cooling, plumbing, electrical, appliances
- ✓ Plans from ~$45/month
“Our home is over 20 years old and starting to show its age. We’ve had 8 service calls with Choice Home Warranty and every single one was handled professionally and on time. Would absolutely recommend.”
— James & Marilyn H. • Verified Trustpilot Review
🏠 Check Coverage in Your Area →
One Breakdown Pays for Years of Coverage
A single HVAC repair averages $300–$1,200. A full replacement runs $4,000–$8,000. A water heater: $900–$1,800. A refrigerator compressor: $800–$1,500.
At ~$45/month, one covered repair can pay for an entire year of coverage. The plans that protect the most are the ones you set up before something breaks.
Is Coverage Available in Your State?
Hover over your state to check — Choice Home Warranty is available across the country.
How To Check If Your Home Qualifies
Coverage availability and pricing vary by state. Here’s all it takes:
- Click the link below
- Enter your ZIP code
- Answer a few quick questions about your home
- See your plan options and pricing instantly
No commitment required. Most homeowners are surprised how affordable coverage turns out to be.
📌 Get My Free Home Warranty Quote
Sponsored content. Coverage terms, availability and pricing vary by state and plan. See full details at checkout.
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