Pick the coverage that fits your home.
Home protection plans built around your home. See how your climate wears on a house, then build the plan you want.
Waiting periods, service fees, limits and exclusions vary by plan. We explain them before you decide.
See where claims get stuck
What we help you with
Home service plansSystems and appliances
Climate and wear guidanceWhat breaks where you live
The fine printWaiting period, fees, limits
Claim checklistsWhat to keep, who to call
Cover one item,
or the whole home.
Build Your Custom Plan
Quotes carry no obligation. No payment details are collected on this page.
Build your custom plan
Choose what you want covered
No items selected yet. Tap any item to add it.
These are examples of what plans may include. Which items are available, any add-on cost and any limits depend on the plan and your state. A specialist confirms before you decide.
How we work
- We match the plan to your home. Your systems, appliances and climate decide which level makes sense, so we ask before we quote.
- The fine print up front. We go over the waiting period, fees, limits and exclusions before you decide, not after.
- Built around where you live. Heat, cold and humidity wear things out differently, and the climate map shows how.
- Help before a claim. Checklists for what to keep and who to call first, so a claim goes smoother.
- No surprises on cost. What you pay, who bills it and when, spelled out before you decide.
- Clear on claims. The administrator named in your contract handles claims, and we tell you who that is before you buy.
How it works
Three steps
1
Tell us what you need
Use the plan builder or call, and tell us about your home so we can find plans that fit.
2
Compare and choose
A specialist walks through the plan levels, waiting period, fees, limits and exclusions before you decide.
3
Review, then start
Read the written contract, then start your coverage. Your contract states your start date.
The climate map
Where you live changes what breaks
Select your state to see how its climate wears on a home. This is general guidance. Conditions vary inside every state.
Hot & humidHot & dryCold & snowyMixed four-seasonMild & coastal
Learn before you buy
Explore the details
Each topic has its own page, in plain words, with what to ask for in writing.
Find your match
Answer a few questions about your home and get a coverage level and what to ask about.
Read more →What actually breaks
The systems behind most home service plan claims, and what to ask about each.
Read more →Compare coverage
Three plan levels side by side, with what each usually includes.
Read more →When coverage starts
Waiting periods and start dates, and what "starts immediately" can mean.
Read more →How claims work
Six steps from breakdown to repair, and where claims can stall.
Read more →Where claims get stuck
Approvals, records, definitions and capacity, and what helps with each.
Read more →Claim-ready checklists
What to keep and what to do now so a claim goes smoothly later.
Read more →Who is who
Silver Creek, the administrator and the repair facility, and what each does.
Read more →Questions and answers
Short answers on waiting periods, costs, repair choice and cancellation.
Read more →Ready to see plan options?
Build a plan or send your details. A specialist explains the waiting period, service fee, limits and exclusions before you decide. Quotes are free and carry no obligation.
From the blog
Guides on home warranties
Best Home Warranty Companies in 2026: What Reviewers Say and How to ChooseThe best home warranty is the one whose coverage matches what is most likely to break in your home, at a price and service fee you can live with.Most Affordable Home Warranty Plans in 2026: Cheapest Options and What You Give UpThe cheapest monthly price is easy to find.Top Home Warranty Providers in 2026: A Plain Look at the Leading NamesIf you are building a shortlist, this is the quick version: the names that show up most on 2026 lists, what each is known for, and what to check before you rely on a label..The State of Home Warranties in 2026: Costs, Coverage and Who Reviewers RankA home warranty is a service contract, not insurance. Here is where things stand in 2026: what plans cover, what they cost and who reviewers put near the top.How Much Does a Home Warranty Cost in 2026? Prices, Service Fees and Cheaper OptionsPublished averages run from about $56 to $73 a month, plus a fee each visit. Here are the 2026 price ranges and how to work out what a plan really costs.Home Warranty Checklist: 12 Questions to Ask Before You BuyTwo plans that look alike can read very differently once you open the contract. These questions help you compare them on equal terms.