A home warranty in South Lake Tahoe can help cut your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
South Lake Tahoe gives homeowners some beautiful housing options. However, unexpected repair and replacement costs on your home's systems and appliances can get quite costly.
Finding the best home warranties on the market can be a challenge because of the many options out there. If you are frustrated with trying to compare the different options, keep reading for our guide to the top home warranty companies in South Lake Tahoe.
Choosing the best company for your home warranty is the first step toward protecting your house. Below are some tips on looking for a home warranty in South Lake Tahoe:
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 covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having a home warranty in place can offer you some peace of mind and protect your bank account from unexpected out-of-pocket costs. Most home warranty plans start about 30 days after purchasing the home warranty.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty service provider. Most companies have an online portal where you can do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. Once you file the claim, it will be assigned to a local repair technician that will come to your home and fix the problem. At this point, you pay the service fee. Service fees typically range in price from about $60 to $150 and this is the only out-of-pocket fee you will have to pay unless the repair cost is higher than your home warranty's coverage cap.
Home warranty plans help protect both home systems and appliances. A home warranty can cover repair and replacement-related expenses that are due to normal wear and tear. The appliances typically covered under a home warranty plan are the microwave, refrigerator, oven, dishwasher, dryer, washing machine, and more. System coverage typically includes electrical systems, plumbing, heating systems, air conditioning, water heaters, and more. Add-on options can vary by company but typically include things such as a central vacuum, septic system, second refrigerator, plumbing stoppages, and sprinkler system.
A South Lake Tahoe home warranty will only cover repairs and replacements due to normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, natural disasters, pre-existing conditions, and intentional breakages are not covered with a South Lake Tahoe home warranty.
South Lake Tahoe is known for its mild winters and hot summers, and if you live in South Lake Tahoe, you know that the weather can be unpredictable. During the summer months, your air conditioner can be overloaded in its effort to combat the heat. In the event that your air conditioner did give out, a home warranty can cover repairs and help decrease your out-of-pocket expenses.
Along with saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the hassle of trying to find a qualified repair person to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair problems you may experience.
Home warranties also have some cons. Though it can be convenient that the home warranty sends out a repair person who takes care of the repair for you, some people may not like this, and they would rather select their own contractor. If that's important to you, some home warranty providers let you select a contractor. Another thing to take into consideration is that some providers don't cover pre-existing damage and may require an inspection before coverage begins. Ask the home warranty company for clarification about this if you need more information or if this is an issue for you.
Owning a home is a big responsibility that can be expensive, 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 as though you can select the proper home warranty for your South Lake Tahoe home. All of these top companies have impressive experience in the industry 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 providers reviewed above are also great choices for South Lake Tahoe residents.
The best home warranty company in South Lake Tahoe is Choice Home Warranty. Choice Home Warranty an expansive network of professional contractors and a respected reputation in the South Lake Tahoe area.
Home warranty policies cover problems with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a different kind of plan that protects the entire home from situations like natural disasters and fires. It doesn't cover typical appliance or system repairs.
Most home warranties have a 30-day waiting period before you can file claims, but some may offer coverage sooner so make sure you check with the company about this.
Most home warranties cover replacement costs in addition to repair costs. How much the home warranty will cover varies from one plan to the next. You can expect that home warranties will give you some money towards a replacement but the entire replacement may not be paid for.