A home warranty usually covers both systems and appliances, but some companies divide their coverage options into system plans, appliance plans and combined plans. In addition to these plans, home warranty companies generally offer coverage for optional accessories such as a swimming pool or spa, a second refrigerator, a well pump, a septic tank and roof leaks. The Home Shield and Choice Home Warranty guarantee that a technician will come to inspect your covered item within 48 hours of your service request. AFC Home Club also offers double the rates of most home warranty companies, allowing customers to choose between four rate options instead of two. The best Home Warranty Plan covers the cost of expensive repairs and replacements when an important system or device, such as an air conditioner or refrigerator, fails due to normal wear and tear. Most home warranty companies offer three different levels of coverage: system plans, appliance plans and combined plans. However, when these manufacturers’ warranties expire, a home warranty can protect you if one of your systems or appliances fails. If a system or device fails due to normal wear and tear, you can call your home warranty company to make a claim or request online service. The home warranty is not mandatory, but we recommend that you get coverage as an extra layer of protection for your important systems and devices. As there are many domestic warranty providers, this guide will help you compare different domestic warranty companies and help you find the right domestic protection plan.