GlossaryDuplicate coverage in a home warranty refers to situations where the same repair or replacement services are covered by multiple home warranty plans or by both a home warranty and another insurance policy. While this might seem advantageous, duplicate coverage can lead to unnecessary costs, confusion during claims processing, and possible denials if providers deem the coverage redundant.
Duplicate coverage arises when homeowners purchase overlapping protection plans without realizing it. For example, a homeowner might have an appliance repair plan from a manufacturer and a general home warranty that covers the same appliance. This overlap can create complications during claims, as it may be unclear which provider is responsible for the repair or replacement.
Paying for multiple plans without additional benefits increases costs unnecessarily. Homeowners can save money by eliminating redundant policies and selecting plans with broader coverage.
Having one clear source of coverage avoids the hassle of determining which policy applies to a repair or replacement claim.
Understanding coverage specifics ensures homeowners can confidently rely on their warranty plan during unexpected breakdowns.
While duplicate coverage itself doesn’t void claims, disputes between providers over responsibility may delay or complicate the process.
Generally, no. Streamlining coverage into a single, comprehensive warranty reduces costs and eliminates confusion.
Review existing policies, contact providers, and compare the covered items and terms across plans.
