Are the big-ticket appliances and equipment you need covered fall listed above? Then you may be a candidate for a home warranty. Check out what kind of protection you're eligible for today.

However, you will be covered — albeit to a lesser amount — if you store your appliances in a storage unit, and they are destroyed there. Short circuits. Electrical appliances get a special coverage ...

Home warranties usually cover large appliances, built-in microwaves, water heaters and systems like HVAC, plumbing, ductwork, pool heaters and well pumps.

However, it’s crucial to note that appliances are generally covered under the personal property portion of your insurance, and standard HO-3 policies cover personal property on a named perils basis.

Read our Extended Warranty Buying Guide from the experts at Consumer Reports you can trust to help you make the best purchasing decision.