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By Platinum Team August 19, 2021

What Does a Home Warranty Not Cover?

Home warranties help make homeownership easy by covering basic wear and tear for standard appliances and systems inside your home. That means you are likely covered if a major appliance or home system was working just fine but has stopped working just fine in the course of daily use. 

We detailed what type of repairs and services are typically included in What Does a Home Warranty Cover? But sometimes you don’t know what you don’t know! 

So, what isn’t covered by a home warranty?

Great question. The type of home warranty plan you purchased determines what systems and appliances are covered, so a lot of this will depend on your plan. Here, we break down what kinds of needs are typically excluded regardless of your coverage level:


Causes Other than ‘Normal Wear and Tear’
  • Act of God
  • Manufacturer recalls
  • Tampering from people, pets, or pests
  • Fraud
  • Neglect or improper maintenance
  • Misuse
Pre-Existing Conditions
  • Damage identified during a home inspection (check your report!)
  • Damage caused before the warranty effective date
  • Roof leaks
  • Plumbing, electrical, or appliances located outside the home
  • Detached structures like a garage or shed
Cosmetic Issues
  • Broken light fixtures
  • Rust
  • Dented appliances


What if my repair needs aren’t covered by my home warranty?

If you are unsure if a repair or service need is covered, reach out to us at 602-733-5000, and our local support team will help you determine if your need is covered or not. If we are not able to service your repair under your home warranty, your next step is to contact your insurance provider to find out if your repairs are covered under your homeowner’s policy. 

We’re still here for you even if the repair isn’t covered under your Arizona home warranty – Platinum Concierge can coordinate your repair with qualified local vendors for a flat Concierge Fee*. 

Is there anything I can do to prevent certain repairs from being excluded from warranty coverage?

You may have noticed that improper maintenance, misuse, or neglect may disqualify a repair from coverage under your Arizona home warranty. This one is easy — always refer to the manufacturer’s instructions for use and maintenance to ensure you are taking proper care of your home appliances. 

Another great way to ensure you get the coverage you need is to review Platinum Home Warranty’s available plans and optional add-ons. This makes all the difference, especially if you have a septic system, pool/spa, or guest house, for example. 

Unsure of what your plan includes, or unsure if you have the best coverage for your needs? All it takes is a quick phone call to our friendly, Arizona-local support team to upgrade or add on to an existing plan.

Call today! 602-733-5000


*Concierge Fee does not credit toward any payment owed to the vendor. Vendor payment for services coordinated through Platinum Concierge but not covered by a Platinum Home Warranty is the homeowner’s responsibility.