When one of your systems or appliances stops working, a home warranty will step in and help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less anxious about homeownership.
With a relatively mild climate, Highland is a great place to own a home. However, homeownership doesn't always come easy, like repairing your home's systems and appliances.
Although a home warranty can help with your homeowner concerns, one pain point is narrowing down the right choice for your Highland home. That's why we've done the research and have made a guide of the top home warranty options in Highland.
The first step in protecting your home with a home warranty is determining which provider's plan fits your needs. Figure out which appliances and systems in your home you need coverage for and compare the policies. Plans can vary, so take into consideration the following factors when picking a home warranty policy:
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 for home systems and appliances. When your HVAC breaks down and the repair is several hundred dollars, a home warranty will ensure that your only cost is a predetermined service fee. Home warranty coverage often starts without an inspection and you can generally start using it about thirty days after making your first payment.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty company. 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 a service fee, which is generally between $60 and $150 depending on what plan you choose. Once the service fee is paid, a repair person will come to your home, assess the issue, and make the repair. As long as the repair is covered under the warranty and the coverage cap is not reached, most homeowners will not have to pay any other out-of-pocket costs after the service fee is paid.
A home warranty plan offers coverage on your home's major appliances and systems and it can help bring down the cost of maintaining your home. The appliances include a dishwasher, stove, clothes washer, clothes dryer, cooktop, refrigerator, microwave, and more. The systems included are the heating system, plumbing, water heater, air conditioner, electrical, and more. Many home warranty plans also offer add-on coverage options like locksmith, roof leaks, septic systems, and even central vacuum.
An important thing to note is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things such as lack of maintenance, misuse, cosmetic damages, and pre-existing conditions are not included in the home warranty policy.
Temperatures in Highland can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a lot of use. As a homeowner in Highland, one benefit of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
Another added benefit of having home warranty coverage is that it can increase your home's real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new home buyers depending on the company you have your home warranty with.
One major drawback of a home warranty is not every home system and appliance may be covered. It's important to weigh the different policies and sign up for one that covers all the appliances, systems, and add-ons you need. Another downside is that home warranties may exclude some repairs, such as those due to natural disasters. For example, if a tree falls onto your house and damages the roof, the systems and appliances that were impacted probably won't be covered by the home warranty.
It isn't always easy to budget for the unexpected expenses that can come with owning a home, but a home warranty can help with that. As with any sort of warranty or insurance policy, there will always be advantages and disadvantages of buying one but its main purpose is to offer you protection and peace of mind.
A home warranty can save you a decent amount of money on home repairs and give you peace of mind as a homeowner in Highland. Choice Home Warranty is the best overall home warranty provider in Highland. Its comprehensive coverage, fair pricing, and easy to understand plans make it a great home warranty for Highland homeowners.
The best home warranty company in Highland is Choice Home Warranty. Choice Home Warranty an expansive network of professional repair technicians and a great reputation in the Highland area.
A home warranty covers the normal wear of home systems and appliances. Homeowners insurance protects your entire home in case of something like a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim if you need a new refrigerator or dishwasher, unless the damage is a result of a natural disaster.
Typically coverage for a home warranty begins 30 days after payment. However, a few companies may allow you to make a service request before this, so check with customer service to find the exact waiting period for your situation.
The systems and appliances in a home are covered under a home warranty policy in Highland. Everything from a oven to a garage door can be covered under a home warranty.
The service fee is the price you pay every time there is a problem with a system or appliance. The service fees are typically priced between $60 and $150.
A Highland home warranty can cost between $40 and $80 a month. Higher-priced plans typically have higher coverage limits, more coverage, and a lower service fee.