When a person purchases a home warranty, they are entitled to certain coverage as part of the policy. If a covered appliance or home system breaks down, such as your washing machine or your central heating system, you simply contact the warranty company and they will arrange for a licensed, pre-screened and pre-qualified technician to come to your home and assess the situation. If the issue is due to normal wear and tear or mechanical failure and is it is a covered item, then the appliance or system will be repaired or replaced within the terms and conditions of the plan. For covered repairs the homeowner will only have to pay a nominal service fee.