# Systems and appliances, covered on call
> Service-contract coverage for HVAC, plumbing, electrical, and major kitchen and laundry appliances. Filed as a warranty product where permissible, as insurance where regulators require it. Breakdown from normal use, not perils.
Canonical URL: https://www.sureapp.com/products/home-warranty
Product slug: home-warranty
Category: Insurance products
## Home warranty programs, filed state by state

Every form number, every version, every state. Regulator approved.
Filing coverage: 38 / 51. States with a live, filed home warranty program on the Sure platform today.

Forms on file:
- SU-HW-001 (live, v24.7) — Major systems, HVAC, plumbing, electrical
- SU-HW-002 (live, v24.5) — Major appliances, kitchen and laundry
- SU-HW-003 (live, v24.3) — Combined systems and appliances
- SU-HW-004 (live, v24.8) — Premium plan, unlimited service calls
- SU-HW-005 (live, v24.1) — Pool and spa equipment rider
- SU-HW-006 (draft, v25.0) — Whole-home electronics, TVs and smart-home

## What a Sure home warranty actually covers

Standard limits shown. Every line is configurable at the program level. Change the deductible, raise the limit, add a rider. Sure re-rates and refiles.
### Combined plan, systems and appliances — Most chosen
- HVAC: $3k / event (Central AC, heat pump, furnace)
- Plumbing: $2k / event (Lines, fixtures, water heater)
- Electrical: $2k / event (Panels, wiring, outlets)
- Kitchen appliances: $2k / event (Refrigerator, range, dishwasher)
- Laundry: $1.5k / event (Washer, dryer)
- Service call fee: $75 (Per visit)
### Optional riders — Add-on
- Pool and spa: $1.5k / event (Pump, heater, filter)
- Well pump: $1k / event (Motor, pressure tank)
- Septic system: $750 / event (Pumping, mainline)
- Roof leak repair: $500 / event (Patch, no replacement)
- Smart-home electronics: $750 / device (TVs, controllers, sensors)
- Unlimited service calls: Plan upgrade (Replaces per-visit fee)

_Coverages, rates, and limits vary by state._

## What the policyholder lives in

The AC dies on a Saturday afternoon and the homeowner needs a tech at the door by Monday. The partner's app handles dispatch, not a call center. Sure powers the workflows behind it all.
### Self-service that your team doesn't have to staff
Homeowners request service visits, file claims, and adjust covered systems inside the partner's app. Claims AI routes the work order to a contractor in the background.
- Service requests dispatched in two taps
- Live plan terms and covered-systems list
- Mid-term plan adjustments without re-shopping
- Agent handoffs stay inside the partner's brand

## Launch a home warranty program, filed and writing in weeks

Learn more about how your home warranty program can go live in weeks, not months. Built for brands and carriers ready to ship.
Primary action: Talk to Sure