It’s a contract that helps you reduce the costs of routine breakdowns. When an eligible failure occurs due to normal wear and tear, 2-10 HBW can help you save money to diagnose and address it.

Breakdowns can be expensive. A Home Warranty Service Agreement can help reduce your out-of-pocket costs when covered items break down, giving you more control over unexpected expenses.

A structural warranty (which you currently have) protects things like load-bearing walls, beams, and your foundation against structural defects for a certain number of years. It also provides performance standards for workmanship and distribution systems.

A Home Warranty Service Agreement (which you don’t have yet) protects important systems like your HVAC and appliances like your fridge against routine breakdowns.

A structural defect is defined as “actual physical damage to the designated load-bearing elements of the home caused by failure of such load-bearing elements, which affects their load-bearing functions to the extent that the home becomes unsafe, unsanitary, or otherwise unlivable.”

All four parts of this definition must be satisfied in order for a condition to qualify as a structural defect.

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