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What’s Covered with a Home Warranty

Explore What’s Covered

A warranty plan with American General Warranty covers the repair and replacement costs of your home’s major appliances and system parts when they break down due to normal wear and tear. Pick the plan that suits your family best from the options below.

Home Warranty Plan Overview

Systems Plan

Who wants to deal with faulty plumbing or an A/C on the fritz? This plan covers the replacement or repair of the components of these key home systems.

A/C including ductwork, Heating including ductwork, Electrical, Plumbing, Water Heater, Garbage Disposal, Instant Hot/Cold Water Dispenser, Central Vacuum, Smoke Detector, Doorbell, Ceiling Fan.

Appliance Plan

You know better than anyone the kind of toll your appliances take from everyday use. Choose this plan to cover the repair or replacement of these:

Refrigerator, Dishwasher, Clothes Dryer, Clothes Washer, Range/Oven/Cooktop, Built-in Microwave Oven, Free-standing Ice Maker, Trash Compactor, Garage Door opener, Built-in Food Processor.

Combo Plan

Systems + Appliances

Our most popular plan, this package provides coverage for many of the primary systems and appliances in your home. You will also save an average of $14 a month over purchasing the appliances plan and the systems plan separately. The Combo Plan fully includes both the Systems Plan and the Appliance Plan.

Build Your Own Plan

Select 10 Covered Items

Customize coverage to meet your needs with this flexible option. Simply select 10 or more items from our list of covered items in your home and get the coverage that is most important to you, without paying for protection you might not need. To get started with this option please call us at 877-225-1326.

Coverage Details

Click the name of an item below to get more information.

AIR CONDITIONING AND DUCTWORK

COVERED: In regards to air conditioning, all parts of the following systems are covered:

Ducted central electric split and package units
Wall air conditioners
Mini-splits

When air conditioning system replacement is necessary, coverage includes upgrading of duct connections, plenums and indoor electrical lines up to and including the disconnect, including when required to maintain compatibility and compliance with SEER, HSPF and refrigerant standards.

In addition to the specific terms listed here, coverage may be limited by general exclusions and limitations in the home warranty contract. Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.

Coverage of certain air conditioning systems is limited to $2,000. This limit does NOT apply to the majority of A/C systems, which are either central air or heat pump based. This limitation only applies to access, diagnosis and repair or replacement of any water source heat pumps (non geothermal), glycol, hot water, or steam circulating system. Coverage of ductwork is limited to $1,500 in certain circumstances. Please see the “Air Conditioning and Heating Note” in the sample contract for details.

NOTE: American General Warranty will pay up to $10 per pound per occurrence for refrigerant. Customer is responsible for payment of any costs in excess of $10 per pound.

HEATING AND DUCTWORK

COVERED: In regards to heating systems, this option covers all of the following components and parts:

  • Forced air (gas, electric, oil)
  • Wall mounted heaters
  • Floor furnaces
  • Package units
  • Heat pumps
  • Mini-splits
  • Hot water or steam circulating heat
  • Electric baseboard
  • Room heaters
  • Cable heat (if main source of heat to the home or room)

When heating system replacement is necessary, coverage includes upgrading of duct connections, plenums and indoor electrical lines up to and including the disconnect, including when required to maintain compatibility and compliance with SEER, HSPF, and refrigerant standards.

ELECTRICAL

COVERED: This option covers all components and parts, including Direct Current (D.C.) wiring, lighting fixtures, and built-in exhaust/vent/attic fans.

Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.

PLUMBING AND STOPPAGES

COVERED:

  • Leaks and breaks of water, drain, gas, waste or vent lines
  • Toilets and related mechanisms
  • Toilet wax ring seals
  • Valves for shower
  • Tub
  • Diverter
  • Angle stops
  • Risers and gate valves (similar features of finish and style used when replacement is necessary)
  • Hose bibs
  • Basket strainers
  • Permanently installed sump pumps (ground water only)
  • Built-in bathtub whirlpool motor, pump, and air switch assemblies
  • Pressure regulators
  • Expansion tanks
  • Sewage ejector pump (septic system sewage ejector pumps are not covered unless optional coverage H.4 is purchased)
  • Clearing of sink, bathtub, shower, and toilet stoppages – Clearing of mainline drain and sewer stoppages through an accessible cleanout up to 100 feet from access point
  • Clearing of lateral drain line stoppages up to 100 feet from access point including accessible cleanout, p-trap, drain or overflow access points

NOTE: Where covered repairs require access to plumbing, American General Warranty will provide access to plumbing only through unobstructed walls, ceilings or floors, and will return access openings to a rough finish. If the plumbing is accessible only through a concrete floor, wall or ceiling, American General Warranty will pay up to $1000 per contract term for access, diagnosis, repair, or replacement of such plumbing, including returning access openings to a rough finish. Customer is responsible for payment of any costs in excess of $1000.

Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.

WATER HEATERS

COVERED: This option covers the repair or replacement of components and parts of standard or tankless water heaters and circulating pumps that malfunction due to normal wear and tear.

In addition to the specific terms listed here, coverage may be limited by general exclusions and limitations in the home warranty contract. Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.

GARBAGE DISPOSAL

COVERED: All components and parts.

Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.

DOORBELL

COVERED: All components and parts, except when part of the intercom system.

Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.

SMOKE DETECTOR

COVERED: Battery operated and hardwired units.

Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.

CEILING FAN

COVERED: All components and parts.

Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.

CENTRAL VACUUM

COVERED: This option covers the repair or replacement of components and parts that malfunction due to normal wear and tear.

In addition to the specific terms listed here, coverage may be limited by general exclusions and limitations in the home warranty contract. Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.

REFRIGERATOR

COVERED: This option covers the repair or replacement of components and parts that malfunction due to normal wear and tear.

NOTE: American General Warranty will pay up to $1,500 per dual compressor refrigerator and built-in combination of both an All-Refrigerator and an All-Freezer for access, diagnosis and repair or replacement. Customer is responsible for payment of any costs in excess of $1,500 per dual compressor refrigerator and built-in combination of both an All-Refrigerator and an All-Freezer.

Please see the Note in the “Refrigerators” section of the sample contract for details.

CLOTHES DRYER

COVERED: All components and parts.

Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.

CLOTHES WASHER

COVERED: All components and parts.

Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.

RANGE/OVEN/COOKTOP

COVERED: All components and parts.

Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.

BUILT-IN MICROWAVE OVEN

COVERED: All components and parts.

NOTE: American General Warranty will pay up to $500 per built-in microwave oven diagnosis and repair or replacement. Customer is responsible for payment of any costs in excess of $500.

Please see the Note in the “Built-In Microwave Ovens” section of the sample contract for details.

DISHWASHER

COVERED: All components and parts.

Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.

TRASH COMPACTOR

COVERED: All components and parts.

Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.

GARAGE DOOR OPENER

COVERED: All components and parts, except door or door track assemblies.

Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.

FREE STANDING ICE MAKER

COVERED: All components and parts.

Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.

BUILT-IN FOOD CENTER

COVERED: All components and parts, except removable accessories.

Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.

Optional Warranty Coverage

Click the name of a home item below to get more information.

POOL/INGROUND SPA

Shared equipment is covered. If equipment is not shared, then only one or the other is covered unless an additional fee is paid.

COVERED: Above ground components and parts of the heating, pumping, and filtration system including:

  • Pool sweep motor and pump
  • Pump Motor
  • Blower motor and timer
  • Plumbing pipes and wiring
  • Plumbing and electrical

Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.

WELL PUMP

COVERED:
This Agreement covers all components of well pump, provided the well is the primary water source to the covered home.

This Agreement does NOT cover the following list of modules, components and parts relating to the well pump: (i) well casings; (ii) holding and storage tanks; (iii) piping or electrical lines leading to or connecting pressure tank and covered home; (iv) re-drilling of wells; (v) booster pumps; and (vi) components for geothermal/heat pumps.

SEPTIC SYSTEM PUMPING & SEPTIC SEWAGE EJECTOR PUMP

COVERED:

  • Mainline stoppages that can be cleared through an existing access or clean out without excavation
  • Sewage ejector pump for septic system only

Please see the “Coverage Overview” and “Limitations and Exclusions” section of the sample contract for additional coverage information.