Question 85

A home warranty offers protection to the buyer of a previously owned home for failure of a major mechanical system or appliance.

A home warranty typically covers the repair or replacement of major mechanical systems and appliances that may fail due to normal wear and tear after the purchase of a previously owned home.

A) flooding

Flooding is generally not covered by a home warranty. Instead, it is usually addressed through separate flood insurance policies, as home warranties focus on mechanical systems and appliances rather than environmental damages.

B) losses attributable to poor construction

Losses due to poor construction are typically not covered under a home warranty. Home warranties are designed to cover specific mechanical failures rather than issues arising from construction defects or substandard workmanship.

C) damage caused by hail, wind, or other storms

Damage resulting from hail, wind, or storms is not included in a home warranty. Such damages are commonly covered by homeowners insurance, whereas home warranties focus on the functionality of home systems and appliances.

D) failure of a major mechanical system or appliance

This option accurately reflects the primary purpose of a home warranty. It provides coverage for the unexpected breakdown of major home systems like heating, plumbing, and electrical, as well as appliances, ensuring that homeowners are protected against costly repairs.

Conclusion

The correct answer is D because home warranties are specifically designed to provide coverage for the failure of major mechanical systems and appliances due to normal usage. Options A, B, and C do not align with the protective scope of a home warranty, which is focused on maintenance and repair of essential home systems.