Conversations for Agents and Homeowners Exploring Life at Home

Brooke Hoyt

By Brooke Hoyt

When will it come in handy?

A quick look at five common home warranty repairs.

As you discuss home warranties with your clients, you may encounter a typical question. When will a home warranty come in handy? We thought it would be helpful to outline some specific scenarios to answer that very question. These are great examples to share with your clients to help them understand when they’ll be able to count on using their home warranty.

Scenario 1: The garbage disposal stops working.

A fussy garbage disposal is no fun, and a home warranty can be quite helpful here. Assuming the concern is normal wear and tear, this is within the scope of home warranty coverage. A plumber can help resolve the jam or replace the garbage disposal if necessary.

By the way, a good rule of thumb – if you can’t chew it up yourself, don’t expect your garbage disposal to handle it. Only put items down your sink that can be broken down with relative ease.

Scenario 2: The toilet gets stopped up.

Yes, this is another not-so-exciting, but common concern. Similar to the garbage disposal your home warranty will come in handy here assuming the issue is related to standard use. (Don’t go throwing anything you shouldn’t down there!) Most of the time the plumber will be able to clear the stoppage with a snake. In some more complicated cases, a full toilet replacement may be necessary and would typically be covered by your home warranty.

**Scenario 3: The water heater stops heating or starts leaking.**

Not heating? It’s likely an element problem. Leaky? It may end up requiring replacement. Either way, this is a typical scenario within the scope of home warranty coverage.

An extra tip – be sure to flush your water heater at least once a year. Doing so can remove some of the sediment that builds up over time and thus extend the life of the water heater.

Scenario 4: The AC stops running or blows hot air.

This is, of course, a biggie here in the Valley of the Sun. Our AC units take a big beating, so repair needs are likely. Covered AC issues range quite a bit from failed capacitors, compressors, motors and contactors to leaks within the system.

When problems arise, here’s a good first step – check for dead batteries in the thermostat or bad circuit breakers or fuses. Also make sure you’ve changed your air filters recently. (This should be done every month to maintain proper airflow.)

While we’re talking AC, we do want to go ahead and bust a major home warranty myth. A home warranty is not likely to cover the entire cost of replacing an aging AC unit, so be sure to plan for significant out-of-pocket expenses if your AC unit is past its prime. More likely, having a home warranty will help reduce the cost of replacement.

Scenario 5: The microwave stops working.

When your microwave decides to stop doing its thing, a home warranty can help too. An appliance technician will be able to trace the source of the problem and resolve the issue through repair or replacement.

While every home and scenario is unique, these examples help paint a picture of typical home warranty claims for you and your clients. When one of these common home issues arises, a home warranty can serve as a go-to plan for repairs that helps bring a bit of convenience and predictability.


Brooke Hoyt is the vice president of operations at Platinum Home Warranty, a locally owned and operated Arizona company. Platinum employs their own service technicians for most trades, offering home warranties and a full retail division to meet the needs of homeowners in metropolitan Phoenix. To learn more about how Platinum can help you and your clients, head to www.platinumhw.com