A home warranty is a way to protect your savings from unexpected large expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Homeownership in Westminster comes with many positives, but it also does not come without its challenges. Your home's appliances and systems will inevitably need repair and this could mean a burdensome expense hitting your bank account suddenly.
Although a home warranty can help with your homeowner headaches, one pain point is narrowing down the best choice for your Westminster home. That's why we've done the research and have put together a list of the top home warranty companies in Westminster.
Picking the right home warranty in Westminster for your family comes down to the type of coverage you want, the home warranty provider you opt for, and where you live, among other factors. Here is a list of factors that you'll want to take into consideration when selecting a home warranty provider:
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Westminster
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 one in place can provide some peace of mind and prevent you from paying large out-of-pocket costs. Most home warranty plans take effect about 30 days after purchasing the home warranty plan.
For Westminster homeowners, when a problem arises with a covered appliance or system, it is very simple to file a claim. Most home warranty companies have an online portal where you can file a claim. Once you file the claim, it will be assigned to a local service technician that will come to your home and look at the issue. At this point, you pay the service fee. Service fees typically range in price from around $60 to $150 and this is the only out-of-pocket cost you will have to pay unless the repair cost is more than your home warranty's coverage cap.
A home warranty plan offers coverage on your home's major appliances and systems and it can help bring down the cost of maintenance on your home. The appliances that are usually covered under a home warranty plan include clothes washer, clothes dryer, refrigerator, dishwasher, microwave, garbage disposal, and more. The systems usually included are air conditioners, plumbing systems, hot water heaters, ductwork, and electrical systems. You can also choose to pay extra for add-on coverage for items such as septic systems, roof warranty, swimming pools, and spas.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your home and follow preventative maintenance guidelines, the home warranty will not cover it. Things like pre-existing conditions, cosmetic damages, lack of maintenance, and misuse are excluded from a home warranty policy.
Temperatures in Westminster can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in Westminster, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
Another added benefit of having a home warranty plan is that it can raise your home's property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new home buyers depending on the provider you purchased your home warranty through.
One disadvantage of buying a home warranty is that there are often exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it's important to read over any contracts you're considering thoroughly to get a sense of what is included and what isn't. Another possible pain point of home warranties is that they don't cover systems or appliances that haven't been properly maintained. This can lead to your claims being rejected, so it's important to carefully follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Although home warranties do have some drawbacks, whether during winter, summer, or the months in between, a home warranty can help lower the inevitable hassle of home appliances and system repairs, giving you a little peace of mind.
Hopefully, you now feel like you can select the best home warranty for your Westminster home. The best provider in Westminster is Choice Home Warranty. Its comprehensive coverage, fair pricing, and ease of use make it a great home warranty for Westminster homeowners.
The best overall home warranty in Westminster is Choice Home Warranty but the right company for you will depend on factors like what appliances and systems you need coverage for.
Home warranties cover issues with home systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a different insurance that protects the entire home from natural disasters and fires. It doesn't cover normal appliance or system repairs.
A home warranty plan can help investors, homeowners, homebuyers, real estate agents, and home sellers. It can offer peace of mind to anyone involved in homeownership.
A home warranty plan will cover repair and replacement costs for systems and appliances in a home. Home warranties will not cover the intentional breaking of an appliance or something that happened as a result of a pre-existing condition.
The service fee is the price homeowner pay every time there's an issue with a system or appliance. The service fees are typically between $60 and $150.
Many homeowners feel like a home warranty is worth the money since it helps protect against unforeseen expenses. If you're worried about your finances 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 give you some financial peace of mind.