A home warranty is a way to protect your budget from unexpected large expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
Although homeownership in Canton has a lot of perks, such as being surrounded by nature, there are also downfalls, similar to owning a house anywhere else. One major hassle many homeowners have to deal with at some point is replacing or repairing their appliances and home systems.
Since the home warranty market is saturated with many providers — all with different coverage — our team at House Method did the research for you to help you find the best home warranty in Canton.
After reviewing home warranties in Canton, your next step is to determine which company you want to receive a free quote from. Plans can vary, so take into consideration 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.
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A home warranty is a protection plan that covers home systems and appliances. When your refrigerator breaks down and the repair will cost several hundred dollars, a home warranty will make sure that all you have to pay is a predetermined service fee. Home warranty coverage typically starts without an inspection and you can generally start using it about thirty days after purchasing the policy.
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 a service fee, which is usually between $60 and $150 depending on what plan you have. After the service fee is paid, a repair person will come to your home, assess the issue, and make the repair. If the repair is covered by the warranty and it's within the coverage cap, most homeowners will not have to pay any other out-of-pocket costs after the service fee is paid.
A home warranty plan will cover systems and appliances that have stopped working from normal wear and tear. For example, if your dishwasher suddenly stops working under normal use conditions, this is a perfect time to call your home warranty provider. Typical appliances covered under a home warranty include a dishwasher, dryer, garbage disposal, washer, refrigerator, microwave, and more. The systems that are most commonly covered will be plumbing systems, heating systems, electrical systems, air conditioners, and hot water heaters. Add-on coverage options can vary by plan but often include things like a central vacuum, sprinkler system, septic system, plumbing stoppages, and second refrigerator.
A home warranty will only cover normal wear and tear that occurs on your home systems and appliances. Things such as lack of maintenance, cosmetic damages, misuse, and pre-existing conditions are not included in the home warranty policy.
Since temperatures in Canton can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Having a home warranty can help homeowners save money if one of these systems or appliances stops working all of a sudden.
A home warranty also saves you time and energy. Instead of spending hours researching and choosing a contractor to fix your appliance or system, home warranty companies do the hard work for you and just send a trusted professional to your door whenever you need them.
As for the downsides of home warranties, coverage varies by company so it's important to read what each plan covers and doesn't include in the contract. 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 make sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
It isn't always easy to budget for the unexpected expenses that can come with homeownership, but a home warranty can help you with that. Like any other warranty or insurance policy, there will always be advantages and disadvantages of purchasing one but its main purpose is to provide protection and peace of mind.
A home warranty in Canton can save you thousands of dollars and offer you peace of mind when it comes to pricey home repairs and replacements. All of these top companies have impressive histories and backgrounds and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. It offers great and comprehensive coverage of all the essential home appliances and systems at an affordable cost with several add-on options.
The best overall home warranty company in Canton is Choice Home Warranty but the perfect company for you will vary based on factors such as what appliances and systems you need coverage for.
First-time home buyers, home sellers, homeowners, real estate agents, and landlords are all eligible for home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save homeowners money in the long run.
Typically coverage for a home warranty policy begins 30 days on the day the sale closes. However, a few companies may let you make a service request before this, so check with customer service to find the exact waiting period for your case.
Home warranties cover the cost of repairs and replacements as long as it is within the coverage cap of the plan. If the replacement costs more than the home warranty covers, you will have to pay for the rest out of pocket.