Question 1

What is a home warranty?

Accepted Answer

A home warranty is a service contract that covers the repair or replacement of major home systems and appliances when they break down due to normal wear and tear. Empire Home Protect plans start at $49/mo and cover HVAC, plumbing, electrical, water heaters, and major appliances.

Question 2

Does a home warranty cover my HVAC system?

Accepted Answer

Yes. Empire Home Protect plans cover central air conditioning, heat pumps, furnaces, and ductwork repairs or replacements caused by normal wear and tear. HVAC is one of the most commonly claimed covered systems.

Question 3

Does a home warranty cover kitchen appliances?

Accepted Answer

Yes. Empire Home Protect plans cover major kitchen appliances including refrigerators, ovens, ranges, dishwashers, built-in microwaves, and garbage disposals.

Question 4

How much does a home warranty cost?

Accepted Answer

Empire Home Protect home warranty plans start at $49/mo. The exact price depends on your plan tier, home size, and coverage options. A free quote takes under two minutes.

Question 5

What is a service fee?

Accepted Answer

A service fee is the flat amount you pay the technician per service call, regardless of the final repair cost. The home warranty covers the rest of the approved repair. This keeps major repairs predictable.

Question 6

How long does it take to process a claim?

Accepted Answer

Most Empire Home Protect claims are processed within 24 to 48 hours. A licensed technician is dispatched based on your location and the urgency of the repair.

Question 7

Is there a waiting period on a new home warranty?

Accepted Answer

Yes. Most home warranty plans have a 30-day waiting period before claims can be filed. This prevents immediate claims on issues that existed before coverage began.

Question 8

Does a home warranty cover pre-existing conditions?

Accepted Answer

Home warranties typically cover systems and appliances that were in good working order at the start of coverage. Pre-existing conditions that were known or detectable before coverage are generally excluded.

Question 9

Can I use my own contractor?

Accepted Answer

Home warranty plans use a network of licensed technicians. Out-of-network contractors may not be covered. If you prefer your own contractor, contact Empire Home Protect first to confirm coverage.

Question 10

What's the difference between a home warranty and home insurance?

Accepted Answer

Home insurance covers damage from disasters like fire, theft, and storms. A home warranty covers the cost of repairing or replacing home systems and appliances that fail from normal use. You typically need both.

Question 11

How do I file a claim?

Accepted Answer

Empire Home Protect members can file a claim online at empirehomeprotect.com/file-a-claim or by phone at 1-888-211-4182. Claims are typically processed and a technician dispatched within 24 to 48 hours.

Question 12

What happens if my claim is denied?

Accepted Answer

If a claim is denied you can request an explanation, appeal the decision, or escalate to a supervisor. Common reasons for denial include pre-existing conditions, lack of maintenance, or excluded items. Empire Home Protect works with members to find resolution when possible.

Question 13

Can I cancel my home warranty?

Accepted Answer

Yes. Empire Home Protect offers a 30-day cancellation guarantee for a full refund, with pro-rated refunds available after that period. Cancellation requests can be made by phone or email.

Question 14

Is there a coverage limit on repairs?

Accepted Answer

Most home warranty plans have per-item coverage limits (called caps) that vary by system. Large ticket items like HVAC replacements usually have higher caps. Review your specific plan for details or request a free quote.

Question 15

What is not covered by a home warranty?

Accepted Answer

Home warranties typically do not cover structural damage, cosmetic issues, pre-existing conditions, items damaged by misuse, or systems not properly maintained. Each plan has a specific list of inclusions and exclusions.

Question 16

Does a home warranty cover water heaters?

Accepted Answer

Yes. Empire Home Protect plans cover water heater repair and replacement for covered failures. Both gas and electric water heaters are included.

Question 17

Is plumbing covered under a home warranty?

Accepted Answer

Yes. Covered plumbing repairs include leaks, clogs, broken pipes, toilet failures, faucet issues, and water heater problems. Outdoor plumbing and main service lines may have separate coverage rules.

Question 18

Does a home warranty cover electrical systems?

Accepted Answer

Yes. Empire Home Protect plans cover major electrical components including wiring, breakers, switches, outlets, and panels for repairs caused by normal wear and tear.

Question 19

How often can I file claims on a home warranty?

Accepted Answer

There is no strict limit on the number of claims you can file. Empire Home Protect covers multiple repairs throughout your plan year up to the per-item coverage caps specified in your plan.

Question 20

Do I need a home warranty for a newly built home?

Accepted Answer

New homes often come with a builder's warranty that covers defects for the first year. After that, a home warranty from Empire Home Protect extends protection beyond the builder warranty to cover long-term system and appliance failures.

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