Home warranty coverage is one of three Fixle Protection Products available to clients through the Spectora Client Portal, alongside homeowners insurance and home security. It's presented inside the Client Portal after the inspection — at the moment clients are actively thinking about what comes next.
Warranty coverage can help protect clients from unexpected repair or replacement costs on major systems and appliances during the first year of ownership. It's offered as an optional resource, not a requirement.
If you're new to Fixle, want to understand what Fixle is, or are looking for a broader overview of Fixle Protection Products, see Fixle for Inspectors: Overview.
What is Fixle?
Fixle is a client-facing platform that Spectora developed to support what happens after the inspection. It's designed to take pressure off clients and agents in the post-inspection window, reinforcing the trust you've already built. The inspection stays at the center; Fixle provides support to create easier closings and happier agents.
How Warranty Fits Into the Client Experience
Fixle Protection Products exist to bring structure to a moment that is often chaotic for clients: the stretch between inspection and closing. Clients choose whether to engage. Your inspection report and your workflow are not affected.
How Does the Warranty Offer Appear to Clients?
Clients see the warranty offer in one place: the Special Offers tab, always visible in the left-hand navigation of the Client Portal, so buyers can return to it at any time.
For more details on how clients experience the opt-in flow across all Protection Products, see Understanding Client Opt-In for Fixle Protection Products.
What Does the Client Opt-In Experience Look Like?
Clients are never automatically enrolled in warranty coverage. To receive information from a warranty partner, a client must actively choose to engage.
If a client does not engage, nothing happens. No partner receives their information.
What Warranty Coverage Is Available?
Fixle connects clients with home warranty coverage through Guard Home Warranty, effective August 17, 2026. Guard's offer covers major home systems and appliances.
Clients who sign up through Fixle are enrolled in Guard's VIP package: a free 30-day trial followed by a 12-month term. The trial begins on the closing date, and the client's card is not charged until 30 days after closing. A client who does not want to continue can cancel during the trial.
The VIP package covers air conditioning, heating, water heater, electrical, plumbing and stoppages, ductwork, sump pump, garbage disposal, ceiling and exhaust fans, central vacuums, doorbells, and instant water dispensers, plus refrigerator, cooktop, range and oven, dishwasher, clothes washer, clothes dryer, built-in microwave, garage door opener, and trash compactor. Optional add-ons are available for items like pool and spa equipment, well pumps, water softeners, and roof leak repair.
Guard sets a dollar cap on each covered item, and those caps are well below the total plan limit. Air conditioning and heating are capped at $2,500 each, water heater and sump pump at $750, and several smaller items at $250 to $1,000. Guard's optional Guard Plus add-on doubles most per-item caps and raises the aggregate limit to $45,000. Current caps for every item are published on Guard's pricing page.
Warranty coverage is available in all U.S. states except California. The warranty offer does not appear in the Client Portal for inspections in California.
Eligibility for a specific property is confirmed by Guard during the client's opt-in experience.
Specific coverage terms, pricing, and plan details are provided directly by Guard Home Warranty during the client's opt-in experience. Spectora does not set or control those terms.
What This Means for You as an Inspector
Your workflow does not change.
Warranty coverage, part of Fixle Protection Products, is automatically enabled in your Spectora account for U.S. customers outside California. You do not need to set anything up, promote anything to clients, or explain the feature during your inspection. If you prefer not to offer warranty coverage to your clients, you can disable it independently in your Spectora account settings. See How to Opt Out of Fixle Protection Products.
Coverage, claims, billing, and cancellation questions go directly to Guard Home Warranty.
How Fixle Warranty Connects to Spectora Rewards
Eligible client engagement with Fixle Protection Products is tracked and contributes to your Spectora Rewards points. No action is required on your part. Points accumulate automatically and will be redeemable when the Spectora Rewards portal launches. Participation in Spectora Rewards is optional.
Client Protections
What does the Spectora Partner Promise cover?
Every warranty partner in Fixle's network has agreed to Spectora's Partner Promise.
What happens if a warranty partner violates these standards?
Spectora conducts routine reviews of all partners. If a partner is found to be violating the Partner Promise, or if Spectora receives multiple complaints, Spectora works with them to correct the behavior or removes them from the network.
How can a homebuyer opt out after opting in?
Opt-out is immediate if a client requests it directly from a warranty partner. If a client reports that contact continued after opting out, that may be a Partner Promise violation. Contact support@fixle.com with the inspection address and details so the issue can be reviewed.
Frequently Asked Questions
What is the difference between a home warranty and homeowners insurance?
Homeowners insurance typically covers damage from unexpected events like fires, storms, or theft. Home warranty coverage is designed to protect against the cost of repairing or replacing home systems and appliances that break down from normal wear and tear — things like HVAC systems, water heaters, or kitchen appliances. The two products serve different purposes and are both offered through Fixle Protection Products.
What if I already offer a home warranty through my own partner — can I remove the warranty offer?
Yes. You can disable the Home Warranty offer independently from your Spectora account settings. Navigate to Settings, click Buyer Protection Products, and use the toggle on the Home Warranty module to turn it off. Each Protection Product is controlled separately, so disabling warranty does not affect Insurance Offers or Security Offers by Fixle. For a full walkthrough, see How to Opt Out of Fixle Protection Products.
Does offering warranty coverage create any liability for me as the inspector?
No. You are not the provider of warranty coverage and are not responsible for the terms, performance, or outcomes of any warranty product a client chooses to explore. Your role is limited to delivering the inspection. Warranty partners operate independently under the standards of Spectora's Partner Promise.
What if my client has a bad experience with the warranty provider?
For coverage, claims, billing, or cancellation problems, direct your client to Guard Home Warranty at 1 (800) 600-5129 or customersupport@guardhomewarranty.com. If the issue is about partner conduct, such as being contacted without opting in, direct them to support@fixle.com. You are not responsible for resolving warranty-related disputes, and attempting to do so is outside the scope of your role as the inspector. Spectora reviews partner performance regularly and takes action when partners are not meeting the standards set in the Partner Promise.
Is warranty available for commercial inspections?
No. Warranty coverage through Fixle is limited to residential properties.
Why do warranty offers still display on my commercial or specialty inspections?
Warranty is included among the optional protection offers available through the Client Portal, but it is not presented as a primary action item. Warranty offers appear in the Special Offers tab rather than as a featured workflow step. This keeps the experience lightweight while still giving clients access to additional resources if they choose to explore them.
Is warranty available in all states?
Warranty coverage through Fixle is available in all U.S. states except California.
Why don't my California clients see the warranty offer?
Guard Home Warranty is not available in California, so the warranty offer does not appear in the Client Portal for California inspections. Your clients will still see the other Fixle Protection Products they are eligible for.
Do I earn anything through warranty engagement?
Yes. You earn $70 for each client who signs up for Guard coverage through Fixle and keeps that coverage active past the 30-day trial. The fee is issued within 90 days of the client's coverage start date. Warranty engagement is also tracked automatically toward Spectora Rewards. You do not need to do anything to earn points. The full rewards portal, where you'll be able to view and redeem points, is still in development.
What happens to clients who already signed up through the previous warranty partner?
Nothing changes for them. Their existing plan and their relationship with that provider continue as-is, and they should keep contacting that provider directly for coverage, claims, or billing questions. Guard Home Warranty applies to clients who opt in on or after August 17, 2026.
Guard's website advertises $70 per inspector referral. Is that the same thing?
Yes. It is the same referral fee, and the amount is the same. The difference is only how it reaches you: for clients who sign up through Fixle, Guard pays Spectora and we pass the $70 through to you, so there is nothing separate for you to enroll in. Signing up with Guard directly, outside of Fixle, is a separate arrangement between you and Guard.
Does my client pay a service fee?
Guard does not charge a service call fee unless a claim is approved. When a claim is approved, Guard's $95 trade service call fee is deducted from the covered repair cost. Guard sets these terms and confirms them with the client during opt-in.
