Can I buy a home warranty if I do not live in the property?

Yes. Many home warranty providers offer plans specifically for landlords and rental property owners. You do not need to occupy the home to purchase coverage. Rental properties are commonly covered under specialized home warranty plans.

Does a home warranty cover tenant damage?

Generally, no. Home warranties are designed to help with eligible mechanical failures caused by normal wear and tear. Damage caused by tenants, misuse, neglect, or accidents is typically not covered and may instead fall under landlord insurance or tenant responsibility.

What types of rental properties can be covered?

Many providers offer coverage for single-family homes, condos, townhomes, triplexes, guest houses, and mobile homes. Availability may vary depending on the provider and the specific property. Reviewing your plan helps ensure the property qualifies for coverage.

Do I still need homeowners insurance or landlord insurance?

Yes. A home warranty is not a replacement for homeowners insurance or landlord insurance. Insurance protects against covered disasters and liability risks, while a home warranty helps with eligible breakdowns of covered home systems and appliances.

Who submits service requests?

This depends on your management arrangement. Some landlords submit service requests directly, while others authorize their property management company to do so. Your home warranty provider can explain the procedures available under your plan.

What does the service fee cover?

The service fee is generally paid when a technician is dispatched to diagnose a covered problem. After the issue is evaluated, covered repairs are handled according to the terms of the service contract. Service call fees vary by provider and plan.

Can a home warranty help protect rental income?

While a home warranty does not directly insure rental income, it may help reduce unexpected repair and replacement costs that could otherwise disrupt your budget. Faster repairs can also help minimize inconvenience for tenants. Keeping important systems operational contributes to a better rental experience.

Is a home warranty a good investment for landlords?

Many landlords appreciate the predictability that home warranties provide. Instead of facing the full cost of every covered breakdown, they have a structured process for handling repairs. Whether a home warranty is right for you depends on your property, budget, and long-term investment strategy.