What Does a Home Warranty Cover?
A home warranty is a service agreement that covers certain repairs or replacements of a new home’s systems and structural components for a specified period. It typically includes:
- Workmanship and materials – Coverage for issues like drywall, flooring, and trim during the first year
- Major systems – Items like electrical, plumbing, and HVAC systems are typically covered for up to two years
- Structural integrity – Coverage for load-bearing walls, foundation, roof framing, and other structural components for up to ten years
Exact coverage terms can vary by builder and warranty provider; however, in Minnesota, coverage minimums are clearly defined by law.
Why Home Warranties Matter
A home warranty gives you peace of mind during the early years of homeownership. It ensures that if something doesn’t function as intended due to construction or material issues, it will be addressed at no extra cost to you.
Home Warranty Benefits
- Financial protection from unexpected repair costs
- Confidence in construction quality
- Compliance with Minnesota’s statutory warranty requirements
- Streamlined repairs coordinated through your builder or warranty provider
What’s Not Covered?
It’s important to understand that a home warranty isn’t the same as homeowners insurance. It doesn’t cover damage from storms, accidents, or wear and tear. It also doesn’t cover appliances unless specifically included. Always review your warranty documents to understand what is covered and what is excluded.
Progressive Builders’ Approach to Home Warranties
At Progressive Builders, we stand behind our work. Our homes come with a comprehensive warranty package that meets or exceeds state requirements. More importantly, we’re here to help if any issues arise. From minor touch-ups to major components, we want you to feel supported long after move-in day.
Tips for Homeowners
- Keep a record of all warranty documents and communications
- Report issues promptly to avoid delayed claims
- Perform routine maintenance to keep your systems running smoothly
- Know who to contact—your builder or a third-party warranty company may handle claims