While a home warranty can provide coverage in case home appliances or 系统 break down or fail due to normal wear and tear, warranties are not designed to replace existing homeowners 保险 policies and they do not cover homeowners against many of the perils that are covered by homeowner policies. 例如, warranties are not meant to cover repairs to a home's foundation or its structure due to accidents, nor do they cover homeowners against liability if someone gets hurt on their property. 此外，家庭保修计划有覆盖范围的限制或上限. 例如, 你可能有高达2美元的保险,每台设备每年000美元, 每年的索赔限额为15美元,000. Take a close look at the fine print to be sure you understand what's covered by the plan and the limits that apply. 如果你有高端的电器和系统，这一点可能尤为重要.  Many (but not all) home warranty companies will also deny claims if an appliance or system: 没有正确安装或维护 使用不当 不符合当地建筑规范 购买保修时，是否有已知或未知的既存状况