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Home Repair Insurance

Imagine coming back home to a faulty, out-of-warranty air conditioning unit one hot summer afternoon. You invite the repair company, and they say it will cost you thousands of dollars to fix. Maybe there’s a fault in the electrical system, and the local electrical contractor has given you a quote running into thousands. Perhaps, it’s the microwave, oven, or refrigerator. Sadly, your home insurance policy won’t help replace or repair any of your broken-down units and appliances, leaving you to bear the cost yourself. 

With home repair insurance, you won’t have to carry all that burden alone. Also commonly referred to as home warranty insurance, home repair insurance provides you with complete peace of mind when any important system or appliance malfunctions. While a home repair insurance might sound similar to a homeowners insurance policy, they are different.

What is Home Repair Insurance and How Does it Work?

It’s a given that after some time, your air conditioner, washing machine, dishwasher, and other household systems and appliances will break down due to natural wear and tear. When any appliances stop working, you can call the insurance company rather than the handyman with home repair insurance. The insurance company will send a contractor down to your house to diagnose the problem, and if covered, pay the cost of repair.

While you don’t have to pay a deductible for home repair insurance, there’s a service fee you pay to the repair company at the time of repair. There’s also a coverage cap, which is the maximum amount of money the insurance company can pay toward repairing your faulty appliance.

What Does Home Repair
Insurance Cover?

A home repair insurance covers the cost of repair of appliances in your home. However, it does not cover the cost of replacement or repair resulting from the damage. For instance, If water is leaking from a broken pipe, home repair insurance will come in for the repair or replacement of the pipe.

However, it won’t cover the cost of mold removal if the water has led to mold infestation. At Joyce Insurance, our team sits down with you, helping you identify the right insurance that offers the most protection. Here are some of the systems and appliances a home repair insurance covers.

  • Heating system 

  • Electrical system

  • Plumbing system

  • Ceiling fan 

  • Refrigerator

  • Washing Machine 

  • Dryers 

  • Dishwasher 

  • Microwave

  • Sinks 

  • Air conditioning Unit 

  • Furnaces 

  • Garbage disposals 

  • And many more!

Expert Home Repair Insurance Agency in New York

When buying a home repair insurance policy, it’s important to choose one that provides coverage for all your appliances and systems, offers quick access to repair contractors, protects you from expensive repairs and replacements, and gives you complete rest of mind. 

With over 25 years of experience serving businesses and individuals in New York, Joyce Insurance is the trusted agency to get you a home repair insurance plan that ticks all the boxes. Here at Joyce Insurance Agency, we are all about getting you the home repair insurance policy that offers complete protection for all your needs.

Home Improvement


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