American Family homeowners insurance covers damage from fires, storms, and theft — but it does not cover HVAC breakdowns, appliance failures, or plumbing wear and tear. A home warranty fills that gap. Get your free personalized quote today — no inspection required.
American Family homeowners insurance is designed to protect your home and belongings from covered perils — sudden, unexpected events. Typical covered events include:
What American Family does not cover: normal wear and tear, mechanical breakdowns, system failures from age, or appliance repairs. That's where a home warranty comes in.
A home warranty (home service contract) covers the repair or replacement of home systems and appliances that break down from normal use — exactly what American Family insurance excludes:
Most homeowners assume their American Family policy covers everything. It doesn't. Here's the typical coverage gap:
| Scenario | American Family Covers | Home Warranty Covers |
|---|---|---|
| HVAC fails from age | ✗ No | ✓ Yes |
| House fire damage | ✓ Yes | ✗ No |
| Refrigerator breaks down | ✗ No | ✓ Yes |
| Burst pipe (sudden) | ✓ Yes | ✗ No |
| Water heater fails from age | ✗ No | ✓ Yes |
| Theft | ✓ Yes | ✗ No |
Property Warranty offers straightforward, affordable pricing — no inspection required, no waiting period:
| Plan | What's Covered | Get a Quote |
|---|---|---|
| Basic | Appliances only | Free quote |
| Standard | Systems + Appliances | Free quote |
| Premium | All Systems + All Appliances | Free quote |
| Ultimate | Complete coverage + pool/spa | Free quote |
All plans: fill out the form for a free personalized quote. Cancel anytime.
No. American Family homeowners insurance covers damage from covered perils like fire, storms, and theft — not mechanical breakdowns from normal wear and tear. A home warranty covers HVAC system failures, which can cost thousands of dollars to replace.
No. American Family insurance protects your home's structure and belongings from unexpected events. A home warranty (home service contract) covers the repair or replacement of home systems and appliances that break down from normal use. Both protect you in different ways.
Property Warranty plans start with a free personalized quote. That's comprehensive coverage for HVAC, plumbing, electrical, and appliances.
A home warranty typically covers HVAC systems (heating and cooling), water heaters, plumbing systems, electrical panels, and major appliances including refrigerators, dishwashers, washers, dryers, and ovens. Coverage details vary by plan.
No. Property Warranty requires no home inspection. You can set up your coverage entirely online in minutes, and protection begins right away on covered items.
Yes — and it's strongly recommended. American Family insurance covers catastrophic events. A home warranty covers day-to-day system and appliance failures. Together they provide comprehensive protection for your home.
Fill out the form for your free personalized quote. A licensed technician will handle your covered repairs.
File a claim online or by phone 24/7. A licensed technician is dispatched to your home, diagnoses the issue, and performs covered repairs. Get your free personalized quote with no surprise bills.
Property Warranty is not affiliated with, endorsed by, or connected to American Family. We are an independent home warranty provider. American Family is a registered trademark of its respective owner. This website provides educational information about home warranty coverage gaps and how home warranties complement homeowners insurance.
Get your free personalized quote today. No inspection required.