Florida is best-known for its theme parks, beaches, and other world-class tourist highlights, but this southern state is also home to over 20 million residents who enjoy the state’s beauty year-round. Walt Disney World, Miami Beach, and Key West are just backyard highlights for these lucky families. Jacksonville is by far the most populous city in Florida, with more than 820,000 residents. The next-largest city has less than half as many residents, with a population under 400,000. Tampa, St. Petersburg, and Orlando round out the largest cities in the state by number of residents.
Whether you’re in one of these bustling areas or you’re off in a more secluded spot, you know that Florida has a distinct climate that presents unique challenges to its residents. From the year-round warmth and humidity to the high salt content in the air, there’s a lot to consider when you’re taking care of your home and appliances. Florida home warranties complement your standard homeowner’s insurance, offering coverage for the essential items that insurance typically leaves out.

Protect Your Florida Home and Appliances

The Floridian climate can put a significant amount of wear and tear on home appliances. Thanks to the year-round warmth, many homes feature a washer and dryer that’s situated in the garage or another exposed part of the home. Average humidity levels in Florida are in the 70s throughout the state. As you might suspect, moisture and electric appliances don’t mix well. Items that are exposed to the elements often may experience more short circuits and a shorter overall lifespan.
If your appliances are in any area without air conditioning, they’ll face Florida’s heat. A refrigerator that’s stored in your garage will have to work even harder to stay cool. That heat can cause damage to an already-hot washer or dryer as well. With tourist destinations scattered liberally throughout the state, Floridians have plenty to keep them busy, but a weekend schedule packed with visits to the Wizarding World of Harry Potter or explorations deep into the Everglades can leave you with a mountain of laundry to deal with from all those days of play. Make sure you’re equipped with appliances that can keep up with your schedule.
A home warranty will help you handle home repairs related to these appliances, provided that you have the right plan. If your appliances are exposed to the elements, look specifically for a home warranty that will cover them, so you have ready assistance if something goes wrong.

Why is a Home Warranty Necessary in Florida

According to the United States Energy Information Administration, Florida homes use 40 percent more energy than the United States average. About half of energy use in Florida is from appliances, electronics, and lighting. Air conditioning accounts for 27 percent of energy use, which is far higher than the national average of 6 percent. On the other hand, space heating uses just 9 percent of residents’ energy in Florida, compared to 41 percent in the rest of the country.
In the sunshine state, a home warranty is a valuable way to protect yourself from long sweltering days without that air conditioner that’s so essential here. Though a basic plan only includes ceiling fans and heating systems for your home comfort, a Total Plan will include your air conditioner, which is a smart choice for Florida homeowners. The Total Plan also adds coverage for additional appliances including your clothes washer, clothes dryer, and refrigerator.

What Does a Florida Warranty Cover?

Covered Items* Total Plan Basic Plan
Air Conditioning System
Heating System
Electrical System
Plumbing System
Plumbing Stoppage
Water Heater
Whirlpool Bathtub
Oven / Range / Stove
Built-In Microwave
Garbage Disposal
Clothes Washer
Clothes Dryer
Garage Door Opener
Ceiling and Exhaust Fans


Optional Coverage


Pool / Spa Well Pump Sump Pump
Central Vacuum Limited Roof Leak Septic System
Second Refrigerator Stand Alone Freezer Septic Tank Pumping


* Click Here to view complete limits of liability and any exclusions. CHW offers service contracts which are not warranties. ** See policy for specifics on response times. ***CHW reserves the right to offer cash back in lieu of repair or replacement in the amount of CHW’s actual cost (which at times may be less than retail) to repair or replace any covered system, component or appliance.

Handling Pools in Florida

Floridians love to go to the beach, but whether you live near South Beach in Miami or Clearwater Beach near Tampa, you probably also have a pool. These are a common backyard feature throughout the state of Florida, where residents can use them year-round. In 2006, the Florida County Property Appraisers’ Offices reported over 1 million pools in the state. While a home swimming pool can offer great entertainment and relaxation value, it also comes with a host of new maintenance responsibilities. If you’re concerned about home hazards that may affect your pool, consider a home warranty that includes coverage for this feature.
Pools and spas are not standard inclusions on a home warranty, but they are an optional add-on that you select when customizing your plan. With this type of coverage, you’ll never have to worry about the expense and hassle of handling unexpected issues just before your big pool party. You’ll enjoy the coverage and peace of mind you really need.

How to Choose a Florida Home Warranty

When you’re purchasing a home warranty in Florida, it’s important to consider the unique layout of your home. Where are your major appliances located? How many do you have, and which are the most important? Your core essentials are included in a Basic Plan. This covers your plumbing systems, electrical systems, water heater, and most kitchen appliances.
Upgrading to a Total Plan will give you extra coverage for those items most likely to be in the garage or another exposed area, like your washer and dryer. Florida residents should consider optional add-ons carefully, as these offer essential coverage for common items in the state, like a pool. You can also add coverage for roof leaks, which can be a serious inconvenience in a climate that sees daily afternoon showers for much of the year.
When you choose your plan, make sure you read through the coverage carefully. You’re typically responsible for a small service fee when problems are diagnosed. Keep this amount handy in a savings account and you’ll be ready to go whenever there’s an issue that you need to use your home warranty on. After this service fee is paid, you’re typically covered for both repairs and replacements on qualifying appliances.
A Florida home warranty is an excellent way to protect your essential home systems and critical appliances. For a minimal fee, you’ll enjoy complete coverage for issues related to regular wear and tear. Sign up for the right home warranty plan and you can rest easy knowing that you’re prepared for anything this state may throw at you.

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