Home Warranty Questions & AnswersHow many years does a home warranty cover structural damage?

How many years does a home warranty cover structural damage?

Asked by Curt Hendrick
Erin Easley
Erin EasleyStaffAnswered on 16-July-2020

There are many different kinds of home warranty plans on the market. Many home warranty plans are geared toward major home systems and appliances. These types of plans will cover things like HVAC systems, plumbing, electrical systems, refrigerators, ovens, and dishwashers. There are also, however, home warranty structural damage plans. These warranties protect the structural components of a home: roofs, floors, and walls; framing and support structures; foundations; masonry; and more.

A structural home warranty plan is usually meant to cover a newly built home. Reputable contractors may provide the homeowner with a structural home warranty as a kind of guarantee. Other times, the homeowner may seek out a structural home warranty through a third party.

While plans vary, a home warranty for newly built homes is usually active for ten years. This means that should any structural component of the home fail within that window of time, the homeowner can ensure its repair or replacement at no or minimal personal cost. This, of course, is an enormous benefit for homeowners, as structural repair is among the most expensive repair a home can require.

A structural warranty for existing home structures is less common, but some providers may offer them. These plans can be more expensive, as the risk of structural damage or degradation can be higher in an older home. If you are interested in purchasing a structural warranty for an older home, you should absolutely confirm an existing warranty is not still active on the home. To confirm, you can check with realtor who facilitated the home sale, the contractor who built the home, or the previous homeowner.

The variety of warranty plans available can be overwhelming. To better understand the type of plan that would suit your home and lifestyle, contact a representative from Liberty Home Guard. You can use our website or call (866)-255-7958.

Liberty Home Guard
Need help?

Talk to our Liberty Home Guard Agents 24/7.

(866) 225-7958