![]() Homeowners will pay a preset service fee for this call, and then the warranty covers the cost of the visit, parts, and labor for the repair. If a covered appliance stops working properly, policyholders can call their warranty company, which will arrange for a technician to come to the home, assess, and repair the problem or replace the appliance. Homeowners pay a set premium for a year’s worth of coverage. Instead, it is a service contract to cover the whole-house systems and appliances in your home when they need repair or replacement. Why? While many sources refer to a home warranty as “home warranty insurance,” a home warranty is not actually an insurance policy. While USAA still offers a wide range of home insurance products, including standard homeowners insurance, renters insurance, flood insurance, and others, it no longer offers a home warranty policy. In previous years, USAA offered a home warranty policy as a component members could choose as part of a comprehensive home protection plan. USAA used to offer a home warranty in the past, but it hasn’t for several years. The two policies will work together to provide more complete protection from financial hardship resulting from system or appliance failure, damage caused by named perils listed in a homeowners insurance policy, or even wear and tear or age. ![]() At this time, USAA does not offer home warranties, but a warranty from another company can be a great complement to your USAA homeowners insurance. The best home warranty companies will offer the option of choosing your own contractors or taking care of that hassle for you. With your potential for deployments, they’re especially helpful in that you don’t have to hunt for contractors on your own to do the repairs. Most of our insurance products are through USAA do they have a home warranty policy as well?Ī: Your real estate agent is correct especially in a new home whose quirks and problems you don’t really know yet, home warranty plans can be a great way to protect yourself from unexpected repair and replacement costs. Our real estate agent has advised that a home warranty would be a good option for us, especially with the potential for unanticipated deployments that could make handling our own repairs expensive and inconvenient. Photo: Q: We are a military family, and we are buying a new home.
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