A Miami Shores home warranty plan can help protect homeowners by reducing the costs of major repairs and replacements on your home's appliances and systems.
Many living in Miami Shores have fulfilled their dream of homeownership. However, as great as Miami Shores can be, there are always difficulties that come with owning a home, like keeping your home's systems and appliances maintained.
Since the home warranty market is filled with a variety of providers — all with different plans — the House Method team did the research for you to help you find the right home warranty in Miami Shores.
After reviewing the basics of home warranties in Miami Shores, your next step is to determine which company you want to receive a free quote from. Policies can vary, so consider the following factors when choosing a home warranty company:
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 Miami Shores
A home warranty is a service contract that reduces the cost of repairs when one of your home systems or appliances experiences 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 a home warranty plan is paid for, the coverage will start on your home systems and appliances.
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. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. At this point, you will pay your service fee, which is usually between $60 and $150 depending on what plan you select. After the service fee is paid, a service technician will come to your home, assess the issue, and repair it. If the repair is covered under the warranty and the coverage cap is not reached, most homeowners will not have any other out-of-pocket costs .
Home warranty plans help protect both your home systems and appliances. A home warranty can cover repair and replacement-related costs that are a result of normal wear . Typical appliances covered under a home warranty include a garbage disposal, dryer, washer, dishwasher, microwave, refrigerator, and more. The systems that are most commonly covered will be hot water heaters, plumbing systems, electrical systems, heating systems, and air conditioners. Many home warranty plans also provide add-on coverage options like locksmith, central vacuum, roof leaks, and even septic systems.
A home warranty will only cover normal wear and tear that occurs on your home systems and appliances. Things such as cosmetic damages, pre-existing conditions, misuse, and lack of maintenance are excluded from the home warranty policy.
Home warranty policies are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Miami Shores reaching upward of 82 degrees in the summer, you may find that some appliances, like your air conditioning system, get a lot of use. A home warranty can significantly lower your out-of-pocket costs should your HVAC system stop working.
Additionally, though home warranty companies vary, some providers will let you transfer your warranty if you sell your home. This can make your home more attractive to potential home buyers and help your home sell faster.
As for the disadvantages of home warranties, home system and appliance coverage varies by company so it's important to read what each policy covers and excludes in the contract. Additionally, if you don't maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
Homeownership is a big responsibility that can be costly, but worthwhile. A home warranty is one thing that can help ease the costs of home maintenance, but whether or not it's worth it for you is something you'll have to determine before purchasing a policy.
Hopefully, this review of Miami Shores' top home warranty options has helped you narrow down your choices and decide on a plan. Choice Home Warranty stands out as the best overall provider. With its comprehensive coverage, affordable pricing, and a good history in the industry, Choice Home Warranty has a lot to offer.
Our pick for the best overall home warranty company in Miami Shores is Choice Home Warranty but the best company for you will vary based on factors such as what appliances and systems you need coverage for.
A home warranty is a contract that covers the repairs and replacements of major home system components and appliances.
A home warranty can help home sellers, investors, homeowners, homebuyers, and real estate agents. It can provide peace of mind to anyone that is involved with homeownership.
A service fee is an expense that a homeowner pays 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 referred to as deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty except for the monthly premium/annual cost.
Many homeowners feel like a home warranty is a good investment because it can help protect against unexpected 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 major positives of a home warranty is that it can provide you some financial peace of mind.