Once you get yourself covered with a home warranty protection plan, you can avail the services whenever any of your home appliances or systems stop working. You can call the home warranty insurance company and report the problem. The company will then get in touch with a service provider, with which it has an arrangement. The provider will then try to find the problem. If it can be fixed, the provider will do so, else a replacement is advised. Based on your coverage, the home warranty insurance company will replace the appliance or system.