A Charleston home warranty plan can help protect home buyers and current homeowners by lowering the costs of major repairs and replacements on your home's appliances and systems.
Many living in Charleston have fulfilled their dream of homeownership. However, as great as Charleston can be, there are always added costs that come with owning a home, like keeping your home's systems and appliances maintained.
Finding the best home warranty on the market can be quite challenging since there are dozens of companies to decide between. That's why our team at House Method did the research and made a list of the best home warranty companies in Charleston for you.
The first step in protecting your real estate investment with a home warranty is determining which company's plan is the best for you. Figure out which items in your home you need coverage for and compare the policies. Plans can vary, so consider the following factors when deciding on 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.
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A home warranty is a service contract that lowers the cost of repairs when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to keep a budget in place and don't want to dip into their savings to pay for large repair or replacement expenses. Typically about 30 days after paying for a home warranty, 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 provider. Most companies have an online portal system 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 generally between $60 and $150 depending on what plan you select. Once the service fee is paid, a service technician will come to your home, assess the issue, and repair it. 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 in Charleston typically covers the main systems and appliances in the home. The appliances covered are a clothes washer, refrigerator, dishwasher, microwave, clothes dryer, cooktop, stove, and more. The systems included are the electrical, heating system, air conditioner, water heater, plumbing, and more. You can also optionally decide to pay extra for add-on coverage for items such as septic systems, swimming pools, spas, and roof warranty.
A Charleston home warranty will only cover repairs and replacements due to normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, intentional breakages, natural disasters, and pre-existing conditions are not covered with a Charleston home warranty.
Since temperatures in Charleston can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Getting a home warranty can help homeowners save money if one of these systems or appliances breaks down suddenly.
Additionally, having a Charleston home warranty can help make your house more appealing to potential home buyers if you ever decide to sell in the future. Many home warranty providers will allow you to transfer your policy to a new owner and give them the same protection you've been receiving.
As for the downsides of home warranties, coverage varies by company so it's important to read what each policy covers and doesn't include in the contract. Another thing to consider is that some providers don't cover pre-existing damage and may require an inspection before your coverage can start. Ask the home warranty provider for clarification about it if you need more information or if this is an issue for you.
Homeownership is a big responsibility that can be costly, but rewarding. 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 taking the leap and getting a policy.
A home warranty can save you a lot of money on home repairs and offer you peace of mind as a homeowner. When it comes to home warranties in Charleston, the best overall is Choice Home Warranty. Its comprehensive coverage, fair pricing, and easy to understand plans make it a great home warranty for Charleston homeowners.
The best home warranty provider in Charleston is Choice Home Warranty. Choice Home Warranty has an expansive network of professional technicians and a great reputation in the Charleston area.
Home warranty plans cover issues related to systems and appliances that need repairs or replacements due to normal wear and tear. The homeowner's insurance policy is a different insurance that protects one's entire home from natural disasters and fires. It doesn't cover typical appliance or system repairs.
First-time home buyers, home sellers, landlords, real estate agents, and homeowners can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save homeowners money in the long run.
Typically coverage for a home warranty policy begins 30 days after the payment receipt. However, a few companies may let you file a claim before this, so verify with customer service to find the exact waiting period for your case.
A home warranty plan can cost on average anywhere from about $300 to $800 a year in Charleston. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, going with the annual plan over monthly payments saves you $80. It's important to compare plans to determine what you're really getting for the price.