What does a home warranty cover and what’s excluded?

Navigating home warranties can feel overwhelming, but understanding what’s actually covered makes a difference. From my 27 years as a full-time REALTOR here in Colorado, I’ve seen how these policies can provide peace of mind by covering major systems and appliances in your home. Some plans focus just on systems, others on appliances, and there are options for both with additional add-ons available. It’s important to note that home warranties typically don’t include structural elements or preexisting issues, and each plan comes with its own coverage limits and fine print. Taking the time to review the details can help you make sure you’re protected where it matters most.