What is a homeowner's warranty designed to cover?

A homeowner's warranty is primarily designed to cover major structural defects and specific issues with the home, typically lasting a period of ten years. This type of warranty gives homeowners peace of mind by protecting against unexpected repair costs related to significant structural problems, such as issues with the foundation, roof, or load-bearing walls.

While routines like maintenance costs and natural disaster damages are significant concerns for homeowners, they are typically not covered under standard homeowner's warranties. Maintenance costs are the homeowner's responsibility, and natural disasters often require separate insurance or coverage. Additionally, not all appliances in the home are automatically covered; warranties may have specific limitations regarding which appliances are included. Thus, the primary focus of a homeowner's warranty rests on safeguarding against substantial defects within the home's structure for an extended period.