A leaky pipe or a broken air conditioner can quickly turn into a homeowner’s nightmare especially when you’re hit with unexpected repair bills. Whether it’s a clogged drain, a malfunctioning water heater, or your AC unit suddenly stops cooling during a summer heatwave, these issues can cause major stress and strain on your budget.

The good news is that you don’t have to shoulder the financial burden alone. Home warranties are a great way to safeguard against the high costs of home repairs. Many of these plans cover plumbing and HVAC systems, saving you from paying for repairs or replacements out of pocket. But what if you don’t have a warranty? In that case, it’s important to know how to manage the costs of these repairs without breaking the bank.

In this blog, we’ll walk you through how to handle plumbing and HVAC repairs affordably, whether you’re covered by a warranty or handling it yourself. You’ll also learn when to call in the pros and when DIY fixes are a safe, cost-effective option. Let’s dive in and explore how to keep your home running smoothly without blowing your budget.

Understanding Your Home Warranty Coverage for Plumbing and HVAC

A home warranty can be a lifesaver when it comes to the high costs of repairing or replacing essential home systems like plumbing and HVAC. While these repairs are often expensive, a good home warranty plan can significantly reduce your out-of-pocket costs, providing coverage for everything from clogged pipes to broken air conditioners.

What Does a Home Warranty Typically Cover?

Most home warranty plans offer protection for plumbing and HVAC systems under their standard coverage. This means that if a system covered by your warranty breaks down due to normal wear and tear, you can call your warranty provider to repair or replace the system at little to no cost to you (other than the service fee).

Here’s a closer look at what’s typically included in plumbing and HVAC coverage:

Plumbing Coverage

A standard home warranty generally covers a wide range of plumbing issues, including:

• Leaks in pipes and drains, whether visible or hidden
• Clogged drains or toilets that are difficult to fix
• Broken faucets and showerheads
• Water heater malfunctions, such as failure to heat water or leaks
• Sewer line problems, including blockages and backup issues

Note: Plumbing coverage usually includes the main plumbing systems, but fixtures or parts added during renovations may not be covered unless specifically included in your plan.

HVAC Coverage

Home warranties also offer comprehensive protection for heating and cooling systems, including:

• Air conditioners: coverage for system breakdowns, including issues with compressors, coils, refrigerant leaks, and other components.
• Furnaces and heaters: coverage for repairs due to wear and tear, including issues with thermostats, ignition systems, and pilot lights.
• Ductwork and exhaust fans: some warranties may cover ductwork repairs or replacements if they fail.

A properly maintained HVAC system should last for years, but when it does break down, repairs can be costly. Your home warranty can help cover the cost of repairs or even full replacement in some cases.

Service Call Fees and Coverage Limits

Most home warranties charge a service call fee each time you request a repair or inspection, typically ranging from $50 to $100. This fee is paid directly to the technician when they visit your home, regardless of whether the issue is fixed or replaced.

Additionally, coverage limits are a factor to consider. Many warranties have a cap on how much they’ll pay for repairs or replacements. For example:

• Plumbing repairs may be covered up to $500 per claim, but you’ll have to pay the difference if the repair exceeds that amount.
• HVAC replacement can also be capped at a certain amount (often around $2,000–$2,500), depending on the warranty provider.

It’s important to check with your home warranty provider to understand your coverage limits and deductible before requesting service.

When to Use Your Home Warranty

The value of a home warranty becomes clear when unexpected breakdowns occur. Here are some common scenarios where your warranty can save you:

• HVAC failure during peak seasons: HVAC systems tend to break down during extreme temperatures, and repairs can be costly. A warranty ensures you’re covered during these critical times.
• Plumbing emergencies: Water damage from leaking pipes or a malfunctioning water heater can lead to expensive repairs. A warranty can help prevent the financial strain of these emergencies.
• Unpredictable breakdowns: Systems that are several years old or heavily used, like air conditioners or water heaters, are more likely to need repairs. A home warranty helps mitigate those surprise costs.

In the next section, we’ll discuss common plumbing issues that homeowners encounter and how to handle them, whether you have warranty coverage or need to pay for repairs out of pocket. We’ll also share tips on when to tackle a DIY fix and when it’s better to call in a professional.

Common Plumbing Issues and How to Handle Them

Plumbing problems can range from minor inconveniences to serious emergencies, but whether you’re covered by a home warranty or paying out of pocket, understanding the most common plumbing issues and knowing how to handle them can save you time, stress, and money.

Here are some common plumbing issues, along with tips on when it’s safe to DIY and when it’s best to call a professional:

1. Leaky Pipes and Faucets

Leaky pipes and faucets are some of the most common plumbing issues homeowners face. While they might seem like a minor problem at first, they can lead to water damage, increased water bills, and even mold growth if left unaddressed.
What’s Covered: If your pipes or faucets are leaking due to wear and tear, most home warranties will cover the cost of repairs or replacements.

DIY Fix: Minor leaks in faucets can often be fixed by tightening connections or replacing washers. Patching small leaks in visible pipes may also be a quick DIY job, using plumber’s tape or sealant. However, this is only a temporary fix.

Call a Professional: If the leak is in a hard-to-reach location, behind the walls, or involves major plumbing systems, you should call a licensed plumber. It’s also important to contact a professional if the leak persists after a DIY fix.

Tip: Regularly check for signs of leaks (water stains, musty smells, or damp spots) to address issues early before they lead to bigger problems.

2. Clogged Drains

Clogged drains are frustrating but can usually be cleared with a little effort. However, if not properly handled, they can lead to backups, unpleasant odors, and even flooding.
What’s Covered: Home warranties typically cover the cost of clearing clogged pipes and drains, but blockages caused by external factors (like tree roots) may not be covered.

DIY Fix: Minor clogs in sinks, showers, or bathtubs can often be cleared with a plunger or DIY drain cleaner. A baking soda and vinegar solution can also help break down buildup. Avoid harsh chemical drain cleaners as they can damage pipes over time.

Call a Professional: If the clog persists or if you have sewer line backups, you should call a plumber. A professional will have the tools to inspect and clear the blockage safely, preventing more serious damage.

3. Water Heater Failure

Water heater issues can range from no hot water to water temperature fluctuations or leaks. A malfunctioning water heater can be inconvenient, especially if it affects your daily routines.
What’s Covered: Home warranties typically cover repairs or replacements for water heaters if the failure is due to normal wear and tear.

DIY Fix: For minor issues, you can try resetting the thermostat or replacing a faulty heating element. If your water heater is a gas model, check the pilot light to ensure it’s functioning.

Call a Professional: If you’re dealing with an older unit, leaking tanks, or complicated internal issues, it’s best to call a licensed plumber or technician. Replacing or repairing a water heater can be dangerous if done incorrectly.

4. Running Toilets

A constantly running toilet can waste a lot of water and lead to increased utility bills. The issue is often caused by a malfunctioning flapper valve, fill valve, or flush valve.
What’s Covered: If the running toilet is due to normal wear and tear, your warranty will typically cover the repair or replacement of the faulty parts.

DIY Fix: Many running toilet issues are easy to fix by replacing the flapper valve or adjusting the float. These are straightforward repairs that homeowners can usually handle themselves.

Call a Professional: If the toilet is constantly running and DIY fixes don’t work, a professional plumber may need to diagnose the issue and make adjustments to the internal plumbing mechanisms.

5. Low Water Pressure

Low water pressure can make everyday tasks like showering or washing dishes more frustrating. The issue may be related to a clogged pipe, faulty pressure regulator, or problems with your water source.
What’s Covered: Home warranties may cover plumbing system repairs related to low water pressure, such as replacing pipes or fixing a malfunctioning pressure regulator.

DIY Fix: If low water pressure is limited to one fixture (e.g., a showerhead), it may be caused by mineral buildup. You can clean the showerhead or faucet aerator with vinegar to remove debris.

Call a Professional: If the low pressure affects the whole house, it’s likely a plumbing system issue that requires a professional to diagnose and repair. You might need to replace old or clogged pipes.

6. Frozen Pipes

Frozen pipes are a significant concern, particularly in colder climates. If water inside a pipe freezes, it can cause burst pipes, which lead to expensive repairs and water damage.
What’s Covered: Home warranties generally cover the repair of burst pipes due to freezing, but not the preventative measures.

DIY Fix: If you catch the pipes before they burst, you can use a hair dryer or space heater to slowly thaw the frozen pipe. Be cautious with heating tools, and never use an open flame.

Call a Professional: If the pipe bursts, or if you’re unable to thaw it safely, you need to call a plumber. A professional can properly thaw the pipe and prevent further damage.

When to Call a Professional vs. DIY

While small plumbing issues can sometimes be handled yourself, it’s important to know when to call a professional. If the problem involves significant damage, is affecting multiple areas of the home, or if you’re unsure of how to safely fix it, it’s always best to hire a licensed plumber.

By understanding the common plumbing issues you may encounter and knowing when to tackle repairs yourself or call a professional, you can keep repair costs manageable and prevent bigger problems from developing. If you’re covered by a home warranty, be sure to reach out for help when needed. This coverage can save you a significant amount of money on repairs or replacements.

In the next section, we’ll explore how to handle HVAC repairs affordably, offering tips for both DIY fixes and when to involve a professional.

HVAC Repairs and Replacements: What’s Covered and What’s Not

HVAC issues are among the most costly repairs homeowners face, especially if your air conditioner or heating system breaks down during peak seasons. A home warranty can help ease the financial burden, but it’s important to understand what’s covered under your plan and how you can handle HVAC problems efficiently—whether or not you have warranty coverage.

Here’s a breakdown of the most common HVAC issues, how to handle them, and what you can expect from your home warranty coverage:

1. Common HVAC Problems Covered by a Home Warranty

A home warranty typically covers both air conditioning and heating systems. When these systems break down due to normal wear and tear, a warranty can save you hundreds (or even thousands) of dollars in repair or replacement costs. Here are the most common HVAC issues covered:

• Air Conditioning Failures: This could include issues with the compressor, evaporator coils, or refrigerant leaks.
• Heating System Failures: Problems such as a broken furnace, pilot light failure, or ignition system malfunctions are usually covered.
• Thermostat Malfunctions: If the thermostat is causing the system to malfunction, this may also be covered under your warranty.
• Ductwork Issues: Some home warranties may also cover repairs to damaged ductwork, depending on your plan.

What’s Not Covered by a Home Warranty?

While a home warranty provides significant coverage, there are some common HVAC problems it does not cover:

• Pre-existing conditions: Any issues that were present before the warranty was purchased or the system’s breakdown are not covered.
• Maintenance: Regular maintenance tasks, such as filter changes, cleaning, and seasonal servicing, are typically not covered.
• Upgrades or custom installations: New systems or major upgrades, such as adding a second AC unit or upgrading to a smart thermostat, usually aren’t covered unless specifically added to your warranty plan.
• System damage due to neglect: If your HVAC system is improperly maintained, damage caused by neglect may not be covered.

2. Common HVAC Issues and How to Handle Them

Here are some of the most common HVAC problems and what to do when they arise, both with and without warranty coverage:

Air Conditioner Not Cooling or Blowing Warm Air

What’s Covered: Home warranties typically cover compressor issues, refrigerant leaks, and electrical malfunctions causing the system to fail.
DIY Fix: If your AC is blowing warm air, check the thermostat to ensure it’s set correctly. You can also check the air filter—a dirty filter can cause airflow issues. Make sure outside vents aren’t blocked by debris.
Call a professional: If the issue persists, especially if refrigerant levels are low or there’s a mechanical failure, contact your warranty provider for service.

Heating System Not Working (No Heat)

What’s Covered: Home warranties often cover furnace breakdowns, especially when related to the ignition system or pilot light failure.
DIY Fix: First, check the thermostat to ensure it’s set correctly. Also, inspect the pilot light (for gas furnaces). If the furnace is still not turning on, a dirty air filter could be restricting airflow.
Call a Professional: If the furnace is still not functioning properly, contact your warranty provider. The issue could involve electrical problems, motor failure, or gas supply issues—complex repairs that require professional attention.

Uneven Heating or Cooling

What’s Covered: If your HVAC system isn’t providing consistent heating or cooling, it could be a problem with ductwork, air handler components, or a failing blower motor. These are often covered by your home warranty.
DIY Fix: Ensure that all vents are open and unblocked. Dirty or blocked vents can lead to uneven air distribution.
Call a Professional: If uneven cooling or heating continues, it could be a sign of ductwork issues, system inefficiency, or a malfunctioning blower motor, all of which will require a professional technician.

Strange Noises (Grinding, Screeching, or Buzzing)

What’s Covered: Home warranties typically cover repairs for noisy systems caused by issues with the fan motor, blower motor, or belt malfunctions.
DIY Fix: If you hear strange noises, try turning off the system and checking the air filter. If the filter is clogged, replace it, as this can sometimes cause noise.
Call a Professional: If you continue to hear loud noises like grinding or screeching, it’s likely a mechanical issue within the motor or fan, which requires professional repair.

Preventative Maintenance to Extend the Life of Your HVAC System

While home warranties cover repairs or replacements for major system failures, routine maintenance isn’t typically included. However, taking steps to regularly maintain your HVAC system can extend its lifespan and prevent costly breakdowns. Here are some DIY tips to keep your HVAC system in top shape:

• Change air filters regularly: A dirty filter can reduce airflow and cause your system to work harder, leading to higher energy bills and potential breakdowns.
• Clean vents and ducts: Dust and debris buildup can block airflow and strain your HVAC system. Ensure all vents are clear, and periodically clean the ducts.
• Check and clean condenser coils: For air conditioning systems, the condenser coils should be cleaned regularly to maintain efficiency.
• Schedule annual professional maintenance: Even though home warranties don’t cover routine maintenance, most HVAC contractors offer annual inspections. This service can catch small issues before they turn into big (and costly) problems.

4- How to Save on HVAC Repairs

If your HVAC system breaks down, the costs can add up quickly. However, a home warranty can help lower the expense, especially if you need to replace a major component like the compressor or motor. If you don’t have a home warranty, consider these tips to save on repairs:

• Get multiple quotes: Don’t settle for the first estimate you receive. Compare quotes from different contractors to find the most competitive pricing.
• Ask for discounts: Many HVAC companies offer seasonal promotions, maintenance packages, or discounts for new customers.
• Opt for long-term plans: Some companies offer service contracts that include annual maintenance and discounted repairs. These plans can help offset the costs of potential future breakdowns.

By understanding common HVAC problems and how to handle them, you can minimize repair costs and keep your home comfortable year-round. If you have a home warranty, take advantage of your coverage to save on unexpected breakdowns. If not, following the maintenance tips above can help you avoid costly issues and extend the lifespan of your system.
In the next section, we’ll explore when it makes sense to DIY HVAC repairs and when you should call in a professional to ensure your system is fixed correctly and safely.

When to DIY and When to Call a Pro

Homeowners often face the dilemma of whether to handle a plumbing or HVAC issue themselves or call in a professional. While DIY repairs can save money, complex issues or serious failures require the expertise of a licensed technician. Knowing the difference can help you avoid costly mistakes and ensure your system is properly fixed.
Here’s a breakdown of when it’s safe to DIY and when to call a professional:

1. Simple Plumbing Fixes You Can Handle Yourself

There are several plumbing repairs that homeowners can tackle without professional help, provided you have the right tools and a basic understanding of how the system works. Some common DIY plumbing fixes include:

• Fixing a leaky faucet: Replacing washers or seals can often solve small leaks in faucets or shower heads. These are simple repairs that don’t require a plumber’s expertise.
• Unclogging drains: Minor clogs in sinks or tubs can often be cleared with a plunger or a DIY drain cleaner (like a mixture of baking soda and vinegar). Avoid using harsh chemicals, as they can damage pipes.
• Replacing a toilet flapper: If your toilet is running continuously, it might be due to a worn-out flapper valve. Replacing it is a quick and inexpensive fix.

When to Call a Professional:

• Frozen or Burst Pipes: While you can thaw frozen pipes carefully using a hair dryer, burst pipes should be handled by a professional plumber immediately to prevent water damage.
• Major Blockages: If the clog is deep in the system (e.g., in the main sewer line) or if the plunger doesn’t work, it’s best to call a plumber to avoid further damage or flooding.
• Leak Detection: Leaks behind walls or under the floor may require professional equipment to detect, and should be repaired by an expert to avoid water damage.

2. Simple HVAC Maintenance You Can Do Yourself

Basic HVAC maintenance is something homeowners can do themselves, and it’s essential to keep your system running efficiently. Regular maintenance also helps extend the life of your HVAC unit, keeping repairs and energy costs down.

• Changing Air Filters: Dirty filters restrict airflow and cause your HVAC system to work harder. Replacing the air filter every 1–3 months is a simple and cost-effective way to keep your system running smoothly.
• Cleaning the Condenser Coils: Dirt and debris can build up on the condenser coils of your AC unit, which can cause it to overheat. Cleaning these coils with a soft brush or vacuum every season can help improve efficiency.
• Checking the Thermostat: Make sure your thermostat is functioning correctly. Test its settings to ensure it responds to changes in temperature and turns on/off as needed.

When to Call a Professional:

• Low Refrigerant: If your air conditioner is blowing warm air, it could be a sign of a refrigerant leak. Handling refrigerant requires specialized tools and knowledge, and it’s illegal to handle it without proper certification.
• Blower Motor or Compressor Problems: Issues with the blower motor or compressor require an HVAC technician to diagnose and repair. These components are complex, and working on them without experience could cause more damage.
• Frequent Cycling: If your HVAC system cycles on and off frequently, it could indicate an issue with the thermostat, wiring, or a clogged evaporator coil. A professional should inspect the system to prevent more serious damage.

3. When to Call a Professional for Plumbing and HVAC Repairs

While DIY fixes can save you time and money for minor issues, there are situations where calling a professional is the best option. Some problems require specialized tools, expertise, or knowledge of building codes and safety protocols.

Serious Plumbing Issues That Need Professional Help:

• Water Heater Replacement: Replacing a water heater involves dealing with gas lines or electrical connections. It’s a complex task that requires professional experience to ensure proper installation and safety.
• Gas Line Repairs: If you suspect a gas leak or if there are issues with your gas lines, it’s crucial to call a licensed plumber. Gas line repairs are highly dangerous and require expertise.
• Sewer Line Problems: If you’re experiencing a backed-up sewer line or sewage issues, a professional plumber can properly diagnose and fix the issue to avoid health risks.

Serious HVAC Issues That Need Professional Help:

• Furnace or AC Replacement: Replacing a furnace or AC unit is a major undertaking that requires expertise in installation and safety procedures.
• Electrical Problems: If your HVAC system has electrical malfunctions (e.g., issues with the circuit board or wiring), this should be handled by a professional, as it involves dealing with potentially dangerous electrical components.
• Air Quality Issues: If you’re experiencing poor indoor air quality despite a working HVAC system, a professional can diagnose issues with your system’s filtration or ductwork.

4. Risks of DIY HVAC or Plumbing Work

While DIY repairs might seem cost-effective, they can lead to costly consequences if done improperly. Some of the risks of DIY work include:

• Increased repair costs: If you fail to properly fix the issue, it can lead to worsened damage, resulting in even more expensive repairs later.
• Voiding your home warranty: Many home warranties require that all repairs be done by a licensed professional. If you attempt to fix a major system or appliance yourself, you might void your coverage.
• Safety concerns: Plumbing and HVAC systems can involve handling electrical components, gas lines, or high-pressure systems. Mistakes in these areas can be dangerous, leading to injuries or property damage.

5. How to Find a Trusted Professional

If you do need to call in a professional, finding a reliable contractor is key to ensuring the job gets done right. Here’s how to find the best plumber or HVAC technician:

• Ask for Recommendations: Word of mouth from friends, family, or neighbors is one of the best ways to find a trusted professional.
• Check Licensing and Insurance: Make sure the contractor is licensed, insured, and certified to work on the specific systems you need repaired.
• Get Multiple Quotes: Always get at least three quotes from different contractors. This will help you gauge fair pricing and ensure you’re not being overcharged.
• Read Reviews and Ratings: Look up reviews and ratings online (e.g., Google or Yelp) to get a sense of the contractor’s reputation and the quality of their work.

How to Save Money on Plumbing and HVAC Repairs

Plumbing and HVAC repairs can be some of the most expensive issues homeowners face, especially when major systems break down unexpectedly. However, with the right strategies and knowledge, it’s possible to minimize costs and keep your home running smoothly without breaking the bank. Here are some tips on how to save money on plumbing and HVAC repairs whether you have a home warranty or are paying out of pocket.

1. Use Your Home Warranty to Maximize Savings

If you have a home warranty, one of the best ways to save money on repairs is to take full advantage of your coverage. Home warranties typically cover the cost of labor and parts for plumbing and HVAC repairs, which can add up to significant savings.

• File claims for covered issues: If your plumbing or HVAC system breaks down due to normal wear and tear, your warranty will likely cover the repair costs, minus the service call fee (typically $50–$100).
• Preventive maintenance: Some home warranties offer annual inspections or routine maintenance as part of their plan. Taking advantage of this can help catch small issues early before they turn into costly repairs.
• Don’t wait too long: If you notice any issues with your plumbing or HVAC system, file a claim as soon as possible. Waiting can sometimes lead to bigger, more expensive repairs.

2. Schedule Routine Maintenance

One of the most effective ways to save on both plumbing and HVAC repairs is to prevent problems before they happen. Regular maintenance can extend the lifespan of your systems and reduce the likelihood of major breakdowns.

• HVAC Maintenance: Schedule an annual tune-up for your air conditioning and heating systems. A cleaned condenser coil, changed filters, and checked refrigerant levels can help your system run efficiently and avoid costly repairs.
• Plumbing Maintenance: Have your pipes and water heater inspected regularly for any leaks or buildup. Preventative care like drain cleaning or water heater flushing can help avoid bigger issues down the road.

3. Handle Minor Repairs Yourself

Some small plumbing and HVAC issues can be fixed by homeowners themselves, especially with a bit of research and the right tools. Taking care of minor issues early on can save you the cost of a professional repair.

• Fixing Leaky Faucets: Replacing washers or seals can stop small leaks and avoid higher water bills.
• Changing Air Filters: Regularly replacing HVAC filters can keep your system running smoothly and prevent the need for more expensive repairs.

4. Compare Quotes from Multiple Contractors

If you do need to call a professional for plumbing or HVAC repairs, it’s always a good idea to get multiple quotes. Contractors can charge varying rates for labor and parts, so shopping around can help you find the best deal.

5. Look for Discounts and Coupons

Many HVAC and plumbing companies offer discounts or coupons for new customers or for specific services. Check online for promotions or ask the company about current offers.

Conclusion

Whether you have a home warranty or need to pay for repairs out of pocket, there are plenty of ways to save on plumbing and HVAC issues. Regular maintenance, DIY fixes, and smart shopping can all help you minimize costs and keep your home’s systems running efficiently. The next time you face a plumbing or HVAC problem, use these tips to ensure you’re getting the best value for your money.