Compare · Home warranties
A warranty meets your problem after the damage. We'd rather meet it before.
Warranties and insurance are reactive by design: something breaks, you claim, eventually someone pays. Nothing in that chain stops the water while it's running.
| HavenIQ | Home Warranty | |
|---|---|---|
| When it acts | Before damage spreads | After the failure |
| What it does | Detects & coordinates response | Helps pay for repairs |
| Catches a slow leak early | Yes | No — pays once discovered |
| Covers consequential loss | Prevents much of it | Typically excluded |
| Vacant-home failures | Caught at hour one | Found when you find them |
| Best used | To stop problems | Alongside supervision |
What a warranty is for
Spreading the cost of appliance and system failures. When the furnace dies of old age, a warranty can soften the replacement bill. That's a legitimate product, and supervision doesn't replace it.
What it can't do
A warranty doesn't know the furnace died until you do — and in a vacant January house, by the time anyone knows, the claim is no longer about a furnace. Coverage disputes, depreciation, exclusions, and waiting periods all live downstream of damage that, in our survey, averaged $1,000–1,500 per incident in direct costs alone. Reactive products can't touch the consequential losses: the cancelled bookings, the review, the weeks of cleanup.
Supervision is the upstream product
HavenIQ works in the window warranties can't see — detection while the problem is small, human assessment, and dispatch with your authorization while it's still a repair instead of a claim. Many owners sensibly run both: a warranty for end-of-life equipment, and supervision so failures get caught at hour one. $99/month, $79 locked for life as a founding property.