Home Warranty

Cover the appliance and system breakdowns insurance won't.

A home warranty isn't homeowners insurance — it covers the things that wear out, not the things that break catastrophically. For older homes with aging HVAC, water heaters, and appliances, a warranty often pays for itself in the first year.

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Real talk

Why homeowners overpay

Warranty companies make money on the gap between premium and claim payout — so plans with the smallest deductibles often have the most exclusions. Always read the systems list and the “normal wear and tear” clause. Some plans exclude pre-existing conditions even on Day 1.

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What's included

What you get when you compare with us

Vetted pros, real pricing, and no high-pressure pitch.

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HVAC coverage

AC, furnace, heat pump — the highest-value warranty claim. A new HVAC is $6,000–$15,000.

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Major appliances

Refrigerator, range, dishwasher, washer/dryer (most plans charge extra for laundry).

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Plumbing & water heater

Drain clears, leak repairs, water heater replacement — often the most-used coverage.

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Electrical & ductwork

Panel issues, ductwork leaks, ceiling-fan motor failures — small but frequent claims.

The difference

The Penny Stacker vs. door-knocker pricing

	The Penny Stacker	Typical sales pitch
Multiple plans side-by-side	✓	✗
Itemized exclusions list	✓	✗
Real customer satisfaction scores	✓	✗
Pre-existing condition policy	✓	✗
Cancellation & refund terms	✓	✗

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FAQ

Home Warranty questions, answered

Is a home warranty worth it?

It depends. For a home under 5 years old with newer everything: usually no. For a 15+ year-old home with original HVAC, water heater, and appliances: usually yes — one major claim more than pays for the year.

What's typically excluded?

Cosmetic damage, code upgrades, hauling away old units, refrigerant beyond a small amount, pre-existing conditions, anything caused by improper maintenance, and most outdoor items (pool/spa equipment usually requires an add-on).

How does it compare to extended appliance warranties?

Home warranties cover bundled systems — almost always cheaper per device than buying individual extended warranties on each appliance. But they pay actual repair costs (not replacement at today's prices).

Will they actually pay claims?

The reputable carriers do — but you have to follow the process: call them first, accept their assigned technician, pay the service-call fee. Going off-script (calling your own plumber, then submitting receipts) is the #1 reason claims get denied.