Home Protection Plan 2026
Download and print the full Home Warranty of the Midwest Home Protection Plan for 2026–2027, the same document we hand buyers and sellers at our Winner office.
Download and print PDF
Home warranty insurance
Home Warranty Plan 2026–2027
Home Warranty of the Midwest prides itself on providing the best value in the home warranty industry, making our Home Protection Plan the home warranty of choice wherever we do business.
Peace of mind
Confidence and peace of mind through financial protection of the repairs and replacements required to keep your home's mechanical systems and appliances in normal operating condition.
Home Protection Plan
What a home warranty typically covers
It's separate from homeowner's insurance. Insurance covers damage from events — fire, hail, storms. A home warranty covers what breaks from normal use.
Heating & furnace
Ductwork, furnace and heating components that fail from normal wear.
Central air conditioning
Compressor, condenser and air handling equipment.
Plumbing & water heater
Interior plumbing lines, stoppages, and the water heater.
Electrical system
Interior wiring, panels, breakers, switches and outlets.
Kitchen appliances
Built-in range, oven, cooktop, dishwasher, disposal and microwave.
Washer & dryer
Available as covered items on the Home Protection Plan.
Ceiling & exhaust fans
Attached fans, garage door openers and other mechanicals.
Optional add-ons
Well pump, septic, and other coverage options — see the plan PDF.
Covered items, dollar limits, service fees and exclusions are defined in the Home Protection Plan document — always read the plan PDF before you buy.
Who it's for
Coverage works differently for buyers and sellers.
A new-to-you home comes with systems you haven't lived with yet. A warranty turns a surprise furnace failure into a service-call fee.
- Coverage begins at closing on your Winner, SD home purchase
- One service fee per covered repair instead of a full replacement bill
- Call the plan's service line — they dispatch the local contractor
- Renewable year after year while you own the home
- Especially valuable on older homes with original mechanicals
Free download
Home Protection Plan 2026 (PDF)
The complete plan document from Home Warranty of the Midwest — coverage, limits, service fees and exclusions.
Not sure it's worth it?
A single furnace or central air replacement usually costs more than several years of coverage. Call us and we'll tell you honestly whether the home you're buying or selling is a good candidate — sometimes it isn't.
- Older mechanicals or unknown service history
- First-time buyers without a repair fund
- Sellers who want fewer inspection surprises
Questions
Home warranty FAQ
The questions Winner, South Dakota buyers and sellers ask us most about warranty coverage.
Homeowner's insurance covers damage from events — fire, hail, wind, water intrusion. A home warranty covers the mechanical systems and appliances that break down from normal use and age. Most homeowners carry both; they do not overlap.
Ready when you are
Contact Winner REALTORS® & Winner SD auctions
We'll match the right plan to the home and time the coverage to your closing date.
Shippy Realty & Auction
- Monday – Friday9:00 AM – 5:00 PM
- SaturdayBy appointment
- SundayClosed