A home warranty is a way to protect your bank account from unexpected large expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Although homeownership in Fremont has many 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 eventually is replacing or repairing their appliances and home systems.
Choosing the best home warranties on the market can be a challenge because of the sheer number of options out there. If you are frustrated with trying to compare the different options, keep reading for our guide on the top home warranty providers in Fremont.
After researching home warranties in Fremont, the next step is to determine which company you're interested in getting a free quote from. Plans 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.
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A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having one in place can give you some peace of mind and prevent you from paying exorbitant out-of-pocket costs. Most home warranty plans take effect about 30 days after buying the home warranty policy.
When you have a system or appliance that has an issue, 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. At this point, you will pay a service fee, which is usually between $60 and $150 depending on what plan you choose. After the service fee is paid, a repair person will come to your home, assess the issue, and repair it. If the repair is covered under 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 broken down from normal wear and tear. For example, if your refrigerator suddenly stops working under normal use conditions, your home warranty company can help. The appliances typically covered under a home warranty include microwave, garbage disposal, clothes washer, dishwasher, clothes dryer, refrigerator, and more. The systems usually included are hot water heaters, plumbing systems, ductwork, air conditioners, and electrical systems. You can also choose to pay extra for add-on coverage for items like roof warranty, swimming pools, spas, and septic systems.
Fremont homeowners should know that a home warranty plan will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like natural disasters, cosmetic issues, misuse of a system or appliance, or pre-existing conditions. You must keep up with preventative maintenance on your home systems and appliances to make sure that your next repair or replacement-related issue will be covered by the policy.
Home warranty policies are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Fremont hitting upward of 56 degrees in the summer, you may find that certain appliances, such as your air conditioning system, get a lot of use. A home warranty can considerably decrease your out-of-pocket expenses should your HVAC system break down.
Additionally, having a Fremont home warranty can help make your house more appealing to potential home buyers should you ever decide to sell later. Many home warranty providers will allow you to transfer your policy to a new owner and give them the same protection you've been benefiting from.
As for the negatives of home warranties, coverage varies by company so it's important to review what each policy covers and excludes in the contract. Another downside is that home warranties may not include some repairs, like those that are needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the systems and appliances that were affected probably won't be covered by the home warranty.
It can be difficult to budget for the unexpected expenses that can come with homeownership, but a home warranty can help you with that. Similar to any other warranty or insurance policy, there will always be benefits and drawbacks of purchasing one but its main purpose is to offer you protection and peace of mind.
Hopefully, you now feel confident that you can choose a home warranty company in Fremont after going through our reviews. When it comes to home warranties in Fremont, the best overall is Choice Home Warranty. It offers great coverage of all the essential home systems and appliances at an affordable cost with several optional add-ons.
The best overall home warranty company in Fremont is Choice Home Warranty but the perfect company for you will depend on factors such as what appliances and systems you need coverage for.
A home warranty is a kind of contract that covers repairing and replacing major home systems and appliances.
Home warranties cover issues with systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a larger plan that protects your entire home from situations like natural disasters and fires. It doesn't cover typical appliance or system breakage.
The systems and appliances in a home are covered under a home warranty plan in Fremont. Everything from a fridge to a garage door can be covered under a home warranty.
A service fee is an expense that must be paid before a repair technician or contractor comes to your home to repair your home warranty-related problem. Prices typically range between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty apart from the policy's premium.