When one of your systems or appliances breaks down, a home warranty will step in and help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less anxious about homeownership.
With hot summers and cool winters, keeping your home appliances and systems working, particularly HVAC, are extremely important for homeowners in the Cahokia area of Illinois.
Because the home warranty market is saturated with a variety of providers — all with different price points — the House Method team did the research for you to help you find the right home warranty in Cahokia.
Picking the right home warranty in Cahokia for you depends on the coverage you need, the home warranty company you go with, and your location, among other factors. Here are some factors to consider when looking for a home warranty in Cahokia:
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 break down over time due to normal wear and tear. Having one in place can give you some peace of mind and prevent you from paying large out-of-pocket costs. Most home warranty plans start about 30 days after paying for the home warranty policy.
When you have a system or appliance that experiences a problem, you file a claim with your service provider. You can do so in an online portal or by calling them, and then a contractor will come and fix the problem. The claim is then processed, and a homeowner will pay a predetermined service fee to schedule the repair . This repair will usually occur within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees are between $60 and $150.
A home warranty plan will cover systems and appliances from normal wear and tear. Appliances covered under a home warranty plan are usually the garbage disposal, dishwasher, microwave, refrigerator, dryer, and more. Systems that are covered usually include water heaters, plumbing systems, electrical systems, heating systems, and air conditioners. Many plans also have add-on coverage options like roof leaks, locksmith, central vacuum, and even septic systems.
A home warranty will only protect against normal wear and tear that occurs on your home systems and appliances. Things like lack of maintenance, pre-existing conditions, misuse, and cosmetic damages are not included in the home warranty policy.
Cahokia's mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty is designed to cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the necessary repairs, saving you from spending unexpected money out of pocket.
In addition, though it varies by company, some providers will allow you to transfer your warranty if you sell your home. This can make your home more attractive to potential home buyers and maybe even make your home sell faster.
There are also some drawbacks to purchasing a home warranty plan, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty. Another thing to consider is that some companies don't cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty provider for clarification about this if you aren't sure or if this is an issue for you.
Whether or not a home warranty is worth it ultimately depends on your personal situation. Similar to any other sort of insurance policy or warranty, it's there to give you a sense of protection, so you will have to decide how much that is worth to you.
Hopefully, you now feel like you can select the proper home warranty for your Cahokia home. The best provider in Cahokia is Choice Home Warranty. Choice Home Warranty offers comprehensive coverage at an affordable price.
Our pick for the best overall home warranty in Cahokia 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.
Home buyers, landlords, homeowners, real estate agents, and home sellers can all get home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save homeowners money in the long run.
Most home warranty providers 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.
Home warranties cover the cost of repairs and replacements as long as it is within the coverage limits of the plan. If the replacement will cost more than the home warranty covers, you will have to pay the rest out of pocket.
A home warranty policy can cost on average around $300 to $800 a year in Cahokia. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's typically cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. The key is to compare plans to determine what you're really getting for the price.