From HVAC to Water Heaters: The Most Common Warranty Claims by State

 When you purchase a home, you’re not just buying walls and a roof—you’re inheriting the responsibility of maintaining everything inside. And while homeowners insurance covers things like fire or natural disasters, it doesn’t protect you from day-to-day breakdowns of your home systems and appliances.

That’s where a home warranty comes in. But what systems break the most often? Which claims are most common in each state? And how do you make sure you’re covered?

In this blog, we break down the most frequent home warranty claims by state—from HVAC failures in Alabama, to plumbing headaches in the north—and why homeowners across the country rely on ServicePlus to handle it all with speed, affordability, and trusted local technicians.

Why Your State Influences What Breaks First

Depending on your state’s climate, home age, and utility demands, different systems are under different stress. That’s why ServicePlus Home Warranty offers customizable, state-specific plans designed to cover what’s most likely to fail in your area—so you’re never caught off guard.

Alabama: HVAC and Water Heaters Lead the Way

In the Deep South, heat and humidity aren’t just uncomfortable—they’re punishing on your home’s equipment. In Alabama, HVAC systems top the list of home warranty claims, followed closely by water heater repairs and refrigerator issues.

Common Claims in Alabama:

  • Air Conditioning Failures: With scorching summer temperatures, A/C units are pushed to their limits. Compressors, capacitors, and evaporator coils often need repair or replacement.

  • Water Heater Breakdowns: Mineral buildup and corrosion are common, especially in older units.

  • Refrigerators: Increased usage and ambient heat can stress internal cooling components.

ServicePlus offers the best home warranty Alabama homeowners can get, with reliable HVAC coverage, fast response times, and affordable premiums—perfect for both first-time and seasoned property owners.

Minnesota: Freezing Weather = Furnace & Plumbing Failures

In states like Minnesota, cold winters mean your furnace runs hard for months at a time. Combine that with the risk of frozen pipes, and you’ve got two of the most common and costly repairs in the Midwest.

Common Claims in Minnesota:

  • Furnace Repairs: Heat exchangers and igniters wear out, especially in older models.

  • Frozen/Burst Pipes: Poorly insulated homes can suffer pipe bursts during extreme cold snaps.

  • Washer/Dryer Failures: Often installed in basements with fluctuating humidity and temperature.

ServicePlus plans in Minnesota come with optional plumbing and heating add-ons, giving you the flexibility to protect what matters most in your home—no matter how cold it gets.

Mississippi: Moisture and Heat Drive Appliance Failures

With high humidity, salty air (in coastal regions), and long hot seasons, Mississippi homeowners often report appliance breakdowns, electrical problems, and A/C issues.

Common Claims in Mississippi:

  • Air Conditioners: Constant use means frequent service needs.

  • Dishwashers and Microwaves: Internal parts corrode faster in high humidity.

  • Electrical Surges: Storm activity can lead to unexpected failures.

ServicePlus home warranty Mississippi coverage is designed with Gulf Coast conditions in mind—protecting appliances, HVAC systems, and electronics with tailored coverage.

National Trends: Top 5 Warranty Claims Across the U.S.

No matter where you live, these five systems and appliances are consistently the most common warranty claims, according to ServicePlus customer data:

  1. HVAC Systems

  2. Water Heaters

  3. Refrigerators

  4. Plumbing Leaks

  5. Oven & Range Malfunctions

Each of these repairs can cost between $300 and $3,000 out of pocket—but with ServicePlus, most customers only pay a small service fee (typically under $100).

Condos vs. Single-Family Homes: What Breaks Differently?

If you live in a condo, your warranty needs may differ from a homeowner’s. Most condo residents don’t own the structure (roof, exterior plumbing, shared HVAC), but still need protection for:

  • Kitchen appliances

  • In-unit HVAC

  • Electrical panels and breakers

  • Washer/dryer systems

ServicePlus offers the best home warranty service for condo owners, with flexible plans that fit smaller footprints but offer big-time protection where you need it most.

Real-World Example: How a ServicePlus Plan Saved an Alabama Homeowner $2,100

After just six weeks in her new Tuscaloosa home, Jenna S. came home to a hot house—her central air had failed. She called ServicePlus, filed a claim, and had a technician at her door the next morning. Diagnosis? Blown compressor and low refrigerant.

Total repair cost: $2,100
 What she paid: $85 service fee

She says: “I had no idea how expensive HVAC repairs were. If I didn’t have ServicePlus, I’d have put it on a credit card and paid interest for a year.”

Why Homeowners Choose ServicePlus for State-Specific Coverage

Whether you're in Alabama, Minnesota, Mississippi, or anywhere else in the U.S., ServicePlus stands out for its:

  • Nationwide Network of pre-screened, licensed technicians

  • 24/7 Claim Filing—online or over the phone

  • State-Optimized Plans based on real climate and claim data

  • Affordable premiums with customizable add-ons

  • Fast response times and excellent customer reviews

If you want the best home warranty service for your region, ServicePlus is a proven leader—offering affordable, customizable coverage backed by thousands of satisfied customers nationwide.

Final Thoughts: What to Do Before Your Next Breakdown

Think about the systems you rely on every single day—your furnace, your fridge, your A/C. Now imagine one of them fails next week. Are you ready to pay $1,000–$3,000 out of pocket?

If not, it’s time to protect your home and your budget with ServicePlus.

Whether you're searching for the best home warranty Alabama, need customized plans for the freezing Midwest, or want appliance protection in storm-prone Mississippi, ServicePlus has a plan tailored for you.

Ready to Get Covered?

Get your free quote from ServicePlus today and see why homeowners across the U.S. trust us for fast, affordable, and reliable home protection.

Visit ServicePlus.com to compare plans, explore coverage, and lock in year-round peace of mind.

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