Personal insurance
Home Warranty Protection
Help when appliances and systems wear out.
What it is
A home warranty is a service contract, not insurance. It helps pay to repair or replace major systems and appliances that fail from normal wear, something homeowners insurance does not cover.
Every policy is different, and exact coverage depends on the insurance company and the options you choose. We’ll walk you through the details before you buy.
What we can help you cover
- Repairs for systems such as HVAC, plumbing and electrical
- Coverage for major appliances
- How a warranty differs from equipment breakdown coverage
- Works alongside, not instead of, your home insurance
Quick quote
Start your quick quote
Answer a few questions in our home quick quote form. A Shadow Lake advisor reviews every request and follows up with you.
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FAQ
Frequently asked questions
What does Home Warranty Protection typically cover?
A home warranty is a service contract, not insurance. It helps pay to repair or replace major systems and appliances that fail from normal wear, something homeowners insurance does not cover. Exact limits, deductibles and exclusions depend on the policy and the insurance company, so we review the details with you before you buy.
Do you only insure people in Raleigh or North Carolina?
Our office is in North Raleigh, and we work with neighbors across the Triangle every day. As an independent agency we also help clients nationwide when we have markets that fit.
How do I get a quote for home warranty protection coverage?
Start the quick quote form on this page, call or text our office, or request a quote online. An advisor reviews every request and follows up — usually within one business day.
Will you compare more than one insurance company?
Yes. Shadow Lake is an independent agency, so we shop multiple top-rated carriers for you instead of selling a single brand. Availability depends on the coverage, your location and underwriting.
Is flood damage included in a standard homeowners policy?
Usually not. Most homeowners and renters policies exclude flood. If you need flood coverage in North Carolina or elsewhere, we can help you look at separate flood options.
Can I bundle home and auto?
Often yes. Many households save time and may qualify for multi-policy discounts by placing home and auto with compatible carriers. We’ll tell you what options apply to your situation.
Home Warranty Protection near you
Our office is on Six Forks Road in North Raleigh, and we help households and businesses across the Triangle and nationwide.