A home warranty is a way to protect your savings account from unexpected large expenses. With a home warranty in place, your repair costs can be remarkably lower and give you some peace of mind.
With a relatively mild climate, Central is a great place to own a home. However, homeownership doesn't always come easy, like repairing and replacing your home's systems and appliances.
Since the home warranty market is saturated with a lot of providers — all with different price points — the House Method team did the research for you to help you find the best home warranty in Central.
Choosing the right provider for your home warranty is a step you could take to protect your house. Policies can vary, so consider the following factors when choosing a home warranty plan:
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 Central
A home warranty is a service contract that makes it more affordable when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to stick to their budget and don't want to dip into their savings to pay for large repair or replacement expenses. Typically about 30 days after purchasing a home warranty plan, the coverage will start on your home systems and appliances.
When you notice an issue with one of your appliances or systems, you can file a claim with your home warranty provider. Then, a customer service representative will contact you about a repair technician coming over to take a look at the problem. At this point, you will also need to pay your service fee. Once the repair person fixes the problem, they will deal with it at no cost to you. The only time you may have out-of-pocket costs is if the repair or replacement is higher than the item's coverage cap.
A home warranty plan will cover your home's systems and appliances from normal wear and tear. The appliances commonly covered under a home warranty plan are the dishwasher, refrigerator, washing machine, dryer, oven, microwave, and more. System coverage typically includes plumbing, electrical systems, water heaters, heating systems, air conditioning, and more. Many home warranty plans also have add-on coverage options like central vacuum, septic systems, roof leaks, and even locksmith.
A home warranty will only cover normal wear and tear on your home systems and appliances. Things like misuse, pre-existing conditions, lack of maintenance, and cosmetic damages are not included in the home warranty policy.
Since temperatures in Central can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Purchasing a home warranty plan can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
A home warranty also can also save you time and energy. Instead of spending hours researching and selecting a contractor to fix your appliance or system, home warranty providers do the hard work for you and just send a trusted professional to your door whenever you need them.
Home warranties also have some cons. Although it can give you less to worry about since the home warranty sends out a repair person who carries out the repair for you, some homeowners may not like this, and they would prefer to select their own contractor. If that's important to you, some home warranty plans let you select a contractor. In addition, if you don't maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
Whether or not a home warranty is worth it comes down to your personal preference. Similar to any other kind of insurance policy or warranty, it's there to offer you a sense of protection, so you will have to decide how much that is worth to you.
A home warranty in Central can save you lots of money and offer you peace of mind when it comes to expensive home repairs and replacements. Choice Home Warranty is the best overall home warranty provider in Central. Choice Home Warranty offers home warranties with great coverage at an affordable price.
The best overall home warranty provider in Central is Choice Home Warranty but the best company for you will depend on factors like what appliances and systems you need coverage for.
A home warranty covers the normal wear of systems and appliances in a home. A homeowners insurance plan protects the entire home in case of something such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim should you need a new dryer or air conditioner, unless the damage is due to a natural disaster.
Typically coverage for a home warranty plan begins 30 days on the day the sale closes. However, a few companies may let you make a service request before this, so verify with customer service to find the exact waiting period for your situation.
A home warranty policy covers repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and usually don't cover pre-existing conditions.
Most home warranties are going to cover replacement costs in addition to repair costs. The coverage cap 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.