Your home contains a surprisingly large collection of equipment working behind the scenes.
The furnace keeps winter outside.
The water heater makes morning showers tolerable.
The dishwasher handles the aftermath of dinner.
And the garage door opener helps you leave the house without performing an unexpected upper-body workout.
But what does a home warranty cover when one of those things stops working?
SilverBack Home Warranty plans include protection for qualifying mechanical breakdowns involving specified systems and appliances. Depending on your plan and selected options, that can include heating and cooling, plumbing, electrical components, kitchen appliances, and additional equipment.
The easiest way to understand that protection is to walk through your home one area at a time.
The examples below illustrate the kinds of breakdowns coverage can address. Your selected plan, the diagnosed cause of failure, applicable limits, and contract terms determine how a particular claim is handled.
Start in the Kitchen: Appliances That Keep Meals Moving
The kitchen is one of the busiest rooms in the house.
It also contains several appliances included in SilverBack’s core kitchen appliance coverage.
Dishwasher
A dishwasher does more than spray water around and hope for the best.
It relies on mechanical components to carry out its cleaning cycle.
SilverBack’s kitchen appliance coverage includes qualifying mechanical parts and components affecting the dishwasher’s cleaning or heating operation.
For example: Your dishwasher starts a cycle, but a mechanical component fails and prevents it from washing dishes properly. A professional diagnosis can identify the failed part so SilverBack can review the repair under your plan.
That is the kind of situation where home warranty appliance coverage can help offset an unexpected repair expense.
Oven, Range, and Cooktop
When the oven stops heating, dinner plans can change quickly.
Suddenly, “homemade pizza” means calling someone else to make it.
SilverBack’s kitchen appliance coverage includes standalone and wall ovens, cooktops, and ranges, with protection for qualifying mechanical components affecting heating operation.
For example: An oven no longer heats because an eligible heating component has failed from normal wear and tear. The diagnosed failure can be reviewed for repair under the contract.
Built-In Microwave and Trash Compactor
The kitchen coverage also includes built-in microwave ovens and trash compactors.
For a built-in microwave, an eligible component failure affecting heating operation is an example of a problem that may qualify.
These smaller appliances can be easy to overlook when thinking about home protection, but they are part of the kitchen’s daily routine.
Refrigerator
Refrigerator coverage is included in SilverBack and King Kong plans. Refrigerator coverage options are also available when selecting your protection.
The contract addresses qualifying mechanical components affecting cooling operation.
For example: Your refrigerator stops maintaining temperature because a covered cooling component fails. SilverBack can review the diagnosis and determine the approved repair or other resolution.
Confirm that the refrigerator is included in your selected coverage, especially if your home has more than one.
Look Under the Sink: Plumbing and Garbage Disposal Coverage
The cabinet under your kitchen sink contains more than cleaning products and a mysterious collection of grocery bags.
It also holds plumbing that gets used every day.
Interior Plumbing Pipe Leaks
SilverBack’s interior plumbing coverage includes qualifying plumbing pipe leaks.
For example: A plumber identifies a leak in an eligible interior plumbing pipe caused by normal wear and tear. The pipe repair can be reviewed under your coverage.
The location and cause matter, so describe what you see when reporting the problem rather than trying to diagnose it yourself.
Garbage Disposal
SilverBack includes builder-standard garbage disposal coverage.
For example: The disposal stops operating because of an eligible mechanical failure. After diagnosis, the claim can be reviewed for an approved repair or replacement option.
If your disposal has stopped working, our garbage disposal troubleshooting guide explains basic checks that may help before professional service is needed.
Never put your hand inside the disposal.
Head to the Utility Room: Heating, Cooling, and Hot Water
The utility room may not win any decorating awards, but some of your home’s hardest-working equipment lives there.
Furnace and Air Conditioning
Does a home warranty cover HVAC?
SilverBack plans include air conditioning and heating coverage for qualifying failures of covered equipment and components. The selected plan determines the applicable level of protection.
For example: Your heating system stops working because an eligible mechanical component fails from normal wear and tear. A technician identifies the failure, and SilverBack reviews the repair under your plan.
The same principle applies when covered air conditioning equipment develops a qualifying breakdown.
The equipment’s symptom starts the conversation. The diagnosis identifies the repair needed.
For homes with multiple heating or cooling units, confirm which units are included and whether additional coverage is needed.
Water Heater
Does a home warranty cover a water heater?
SilverBack’s plumbing and water heater coverage includes eligible gas and electric tank water heaters up to 50 gallons, as well as tankless water heaters, subject to the contract.
For example: A covered electric water heater stops producing hot water because an eligible heating component fails. That mechanical failure can be reviewed under your coverage.
You do not have to know the failed part before contacting SilverBack.
Useful information includes:
- Whether the heater is gas, electric, or tankless
- Tank capacity, if applicable
- Make and model
- What the heater is doing
- Whether you see water around it
An additional water heater option is available for homes with another eligible unit.
Move to the Bathrooms: Everyday Plumbing Protection
Bathroom plumbing is easy to take for granted until something changes.
A toilet starts running continuously.
A pipe begins leaking.
A drain stops cooperating.
Toilets and Their Working Mechanisms
SilverBack’s interior plumbing coverage includes builder-standard toilets, wax rings, and related mechanisms.
For example: A toilet’s internal mechanism fails from normal wear and tear and no longer controls water properly. A plumber’s diagnosis can identify the component and repair needed.
That turns a vague report of “the toilet won’t stop running” into a specific mechanical problem that can be evaluated.
Eligible Drain Stoppages
SilverBack’s contract includes one attempt to clear one qualifying sewer stoppage through an accessible cleanout using a standard sewer cable within the home’s main foundation.
For example: A qualifying stoppage can be reached through the accessible cleanout and cleared using the method described in the contract.
When requesting service, explain which fixtures are affected. One slow sink and several backed-up fixtures can point the service professional toward different investigations.
Additional Plumbing Components
Silverback and King Kong plans add coverage for specified plumbing components, including pressure regulators, diverter valves, showerheads, shower arms, and gate and ball valves.
For example: A covered pressure regulator fails mechanically, affecting the home’s water pressure. The diagnosis can be reviewed under the applicable plan.
These details are worth knowing because home warranty plumbing coverage can extend beyond the most obvious pipes and fixtures.
Check the Laundry Room: Washer and Dryer Protection
Laundry has a habit of continuing whether the appliances cooperate or not.
Washer and dryer coverage is included in the King Kong plan and is available as an optional addition to other plans.
The coverage addresses qualifying mechanical parts and components affecting operation.
For example: A washer develops a covered mechanical failure that prevents it from completing its cycle.
Or a dryer stops heating because an eligible operating component fails.
In either case, a service professional identifies the cause so SilverBack can determine how the contract applies.
When selecting laundry coverage, confirm that your equipment type fits the plan’s requirements.
Then you can return to the more pressing question: why does every load contain one sock with no partner?
Walk Through the Living Areas: Electrical Components
Home warranty protection is not limited to large appliances.
SilverBack’s interior electrical coverage includes specified components such as:
- Plugs and switches
- Wiring
- Circuit breakers and fuses
- Panels and subpanels
- Junction boxes
- Conduit
For example: An eligible wall switch or circuit breaker develops a failure from normal wear and tear. An electrician can diagnose the issue and identify the covered repair.
King Kong adds coverage for builder-standard ceiling fans, exhaust fans, and smoke detectors as described in the contract.
For electrical symptoms, report what is happening and leave internal diagnosis to a qualified professional.
Step Into the Garage: Garage Door Opener Coverage
The garage door opener is another system that does a lot of work with very little appreciation.
Until you are late.
SilverBack’s opener coverage includes specified mechanical components affecting opening and closing, such as the motor, switches, capacitor, receiver unit, carriage, eye sensors, and push arm.
For example: A covered opener motor fails from normal wear and tear and the opener can no longer operate the door.
Silverback and King Kong plans also include garage door spring coverage.
Check your selected plan so you know which protection applies.
Garage door springs require professional service. They are not a good place to discover a new DIY hobby.
Head Outside: Sprinklers and Optional Equipment
Some homes have equipment beyond the main indoor systems.
That is where plan features and optional additions can become especially useful.
Sprinkler System and Timer
King Kong includes sprinkler system and timer coverage as described in the contract.
Covered components include specified sprinkler heads, timers, remotely activated control valves, and accessible PVC line leaks that meet the coverage requirements.
For example: An eligible sprinkler timer fails electrically or mechanically and no longer operates the system correctly. The diagnosed failure can be reviewed under the sprinkler coverage.
Confirm the system requirements when choosing protection.
Pool and Hot Tub Equipment
Optional pool and hot tub coverage addresses specified above-ground, accessible filtration and heating equipment.
For example: An eligible pool pump motor fails from normal wear and tear. With the appropriate option in place, that failure can be reviewed under the add-on.
Tell SilverBack whether your pool and hot tub share equipment or use separate systems so the correct protection can be selected.
Additional Household Equipment
Other options address equipment such as:
- Stand-alone freezers
- Water softeners
- Well pumps
- Booster and sump pumps
- Septic systems
- Boiler systems
- Additional refrigerators
The useful first step is identifying what your home has.
A basement apartment or second kitchen may also need additional coverage. Mention those spaces when selecting your plan.
Know Your Plan Before Something Breaks
A room-by-room walkthrough can reveal equipment you might otherwise forget.
Check your declaration of coverage for your selected plan and purchased options.
For an explanation of dollar amounts and how they apply, read our home warranty coverage limits guide.
If something stops working, contact SilverBack before arranging repairs. Our claim process guide explains what happens next.
Frequently Asked Questions About Home Warranty Coverage
What does a home warranty cover?
A home warranty helps with qualifying breakdowns involving systems and appliances listed in the contract. SilverBack’s coverage options address heating, cooling, plumbing, electrical components, kitchen appliances, and additional equipment.
Does a home warranty cover a refrigerator?
SilverBack’s Silverback and King Kong plans include refrigerator coverage for qualifying cooling-component failures. Additional refrigerator options are available.
Does a home warranty cover a water heater?
SilverBack includes eligible gas, electric, and tankless water heaters under its plumbing and water heater coverage. Equipment requirements and contract terms apply.
Are washers and dryers covered?
King Kong includes washer and dryer coverage. Eligible laundry equipment can also be protected through an optional addition to other plans.
Does a home warranty cover a garage door opener?
SilverBack includes specified opener components. Silverback and King Kong plans also include spring coverage.
Can I add protection for equipment outside the main house?
Options are available for certain additional equipment and living spaces. Tell SilverBack about your property and equipment so the appropriate coverage can be identified.
Protection for the Equipment You Use Every Day
A home warranty becomes easier to understand when you picture the equipment it can help with.
The oven preparing dinner.
The water heater supplying a morning shower.
The furnace warming the house.
The washer working through another pile of towels.
Those are the everyday systems and appliances that make a home function.
SilverBack Home Warranty helps offset the cost of qualifying mechanical breakdowns caused by normal wear and tear, according to your selected plan, limits, exclusions, and service-call fees.
Call 801-696-8927 or visit silverbackhw.com with questions about protection for your home.
SilverBack Home Warranty — We’ve got your back.