A Semmes home warranty can help protect home buyers and current homeowners by cutting the costs of major repairs and replacements on your home's appliances and systems.
With sunshine year round, Semmes is a great place to own a home. However, homeownership comes with its challenges, like maintaining your home's systems and appliances.
Although a home warranty can help with your homeowner concerns, one pain point is narrowing down the perfect choice for your Semmes home. That's why we've done the research and have made a guide of the top home warranty companies in Semmes.
Now that you're ready to purchase a home warranty policy, the first step is figuring out what items you need coverage for. From there, you can compare your options and call different home warranty companies for a free quote. Here are some factors to consider when buying a home warranty in Semmes:
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
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A home warranty is a protection plan that makes it more affordable when one of your home systems or appliances has an issue. A home warranty can help homeowners who need to keep a budget in place and don't have the savings to pay for large repair or replacement expenses. Typically about 30 days after purchasing a home warranty, the coverage will start on your home systems and appliances.
When you have a system or appliance that experiences an issue, you file a claim with your home warranty provider. You can do so online or by telephone, and then a technician will come and fix the problem. At this point, you will pay the service fee, which is generally between $60 and $150 depending on what plan you opt for. After the service fee is paid, a repair person will come to your home, assess the issue, and make the repair. As long as the repair is covered by the warranty and the coverage cap is not reached, most homeowners will not have to pay any other out-of-pocket costs after the service fee is paid.
Home warranties help protect your home systems and appliances. A home warranty can cover repairs and replacements that are due to normal wear and tear. The appliances covered include a stove, clothes washer, clothes dryer, microwave, refrigerator, dishwasher, cooktop, and more. The systems included are the water heater, heating system, electrical, plumbing, air conditioner, and more. Add-on coverage will vary from one plan to another, but you can expect to see add-ons like central vacuums, electronics, spas, roof leaks, pools, and sump pumps.
A Semmes home warranty will only cover repairs and replacements due to normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, natural disasters, and intentional breakages are not covered with a Semmes home warranty.
Since temperatures in Semmes can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Getting a home warranty can help homeowners save money if one of these systems or appliances stops working unexpectedly.
In addition, though it varies by company, some providers will let you transfer your warranty in the event that you sell your home. This can make your house more attractive to potential home buyers and help your home sell faster.
There are also some drawbacks to purchasing a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that already have a manufacturer's warranty. Another thing to bear in mind is that some providers don't cover pre-existing conditions and may require an inspection before your coverage can start. Ask the home warranty company for clarification about these things if you need more information or if this is a problem for you.
Homeownership is a big responsibility that can be costly, but rewarding. A home warranty is one thing that can help with your home maintenance budget, but its worth for you is something you'll have to determine before getting a policy.
Hopefully, you now feel positive that you can choose a home warranty company in Semmes after reading our reviews. All of these top companies have impressive histories and backgrounds and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. It offers comprehensive coverage at an affordable monthly or annual cost. However, other companies reviewed above are also great choices for Semmes residents.
Our pick for the best overall home warranty company in Semmes is Choice Home Warranty but the right company for you will depend on factors such as what appliances and systems you need to have covered.
A home warranty is a service contract that covers the repairs and replacements of your major home system components and appliances.
Usually coverage for a home warranty plan begins 30 days after the payment receipt. However, a few providers may let you file a claim before this, so verify with customer service to find the exact waiting period for your case.
A service fee is an expense that must be paid before a repair technician or contractor comes to your home to fix your home warranty-related issue. Prices typically range between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty apart from the monthly premium/annual cost.
Many homeowners feel like a home warranty is a good investment since it can help protect against unexpected expenses. If you're worried about your budget and your ability to keep your home in good working order, having a home warranty can help. One of the big pluses of a home warranty is that it can offer you some financial peace of mind.