A home warranty in Granite City can help cut your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop functioning due to normal wear and tear.
As much as you may love owning a home in Granite City, there is always that worry about whether or not your systems and appliances are going to need to be replaced over the next few years.
Finding the best home warranty plan for your Granite City home can be challenging, so our team at House Method did the research for you to help you find the best home warranty in Granite City. Read on for our home warranty recommendations and learn which plan works best for your home.
Deciding on the best home warranty in Granite City for you and your family comes down to the kind of coverage you're looking for, the home warranty provider you go with, and where you live, among other factors. Policies can vary, so consider the following factors when picking 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 money savings plan that helps homeowners get a handle on the high costs of appliance and systems repairs. Home warranties will cover a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty can make budgeting and managing your finances less stressful. Home warranty plans typically have a thirty-day waiting period from the time you pay to the time they start.
For Granite City homeowners, when a problem comes up with a covered appliance or system, it is very straightforward to file a claim. Most home warranty companies have an online portal where you can file a claim. At this point, you will pay a service fee, which is generally between $60 and $150 depending on what plan you choose. After the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. As long as the repair is covered by the warranty and the coverage cap is not reached, most homeowners will not have to pay any other out-of-pocket costs .
Home warranty plans help protect both home systems and appliances. A home warranty can cover repair and replacement-related costs that are due to normal wear . Typical appliances covered by a home warranty plan include a refrigerator, microwave, washer, dishwasher, dryer, garbage disposal, and more. The systems that are most commonly covered will be air conditioners, plumbing systems, electrical systems, hot water heaters, and heating systems. Add-on coverage will vary from one plan to the next, but you can expect to see things such as electronics, sump pumps, pools, central vacuums, roof leaks, and spas.
Granite City 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, misuse of a system or appliance, cosmetic issues, or pre-existing conditions. You have to 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.
Since temperatures in Granite City 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.
A home warranty can also provide value in other ways. For instance, some plans can be transferred between owners during a home sale.
As for the drawbacks of home warranties, coverage varies by company so it's important to understand what each policy covers and excludes in the contract. Another downside is that home warranties may exclude some repairs, such as those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the systems and appliances that were affected most likely won't be covered by the home warranty.
Homeownership is a big responsibility that can be expensive, but worthwhile. 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 weigh before purchasing a policy.
Hopefully, you now feel like you can select the proper home warranty for your Granite City home. The best provider in Granite City is Choice Home Warranty. Its comprehensive coverage, affordable pricing, and ease of use make it a great home warranty for Granite City homeowners.
The top home warranty company in Granite City is Choice Home Warranty. Choice Home Warranty a large network of professional contractors and a great reputation in the Granite City area.
Home warranty plans cover problems with systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a different plan that protects one's entire home from natural disasters and fires. It doesn't cover normal appliance or system breakage.
Typically coverage for a home warranty policy begins 30 days after payment. However, a few providers may let you make a service request before this, so verify with customer service to find the exact waiting period for your case.
The systems and appliances in a home are covered under a home warranty plan in Granite City. Everything from a fridge to a garage door can be covered under a home warranty.
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.
A service fee is an expense that a homeowner must pay before a repair person or contractor comes to your home to repair your home warranty-related issue. Prices typically range between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners have with a home warranty in place except for the monthly premium/annual cost.