When a home warranty lapses, protection for covered systems and appliances immediately ceases. Any repair needs arising after the lapse date become the homeowner's full responsibility. Most companies offer grace periods for renewal, though coverage gaps may occur if renewal deadlines pass. Some providers require new waiting periods or system inspections for reinstating lapsed coverage.
Outstanding claims from before lapse date typically remain valid if properly filed. Understanding renewal deadlines, grace periods, and reinstatement requirements helps maintain continuous coverage. Some companies charge higher rates or impose additional requirements for reinstating lapsed policies. Regular renewal monitoring and timely payment processing help avoid coverage interruptions. Consider automatic renewal options when available to prevent unintended lapses.
