When one of your systems or appliances malfunctions, a home warranty will step in to help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less overwhelmed by homeownership.
Macomb gives homeowners some great housing options and the opportunity to enjoy the seasons. However, the variable temperatures can do quite a bit of damage to your home's systems.
Although a home warranty can help with your expenses as a homeowner, one issue is narrowing down the best choice for your Macomb home. That's why we've done the research and have compiled a list of the best home warranty options in Macomb.
Choosing the right company for your home warranty is the first step toward protecting your home. Options can vary, so take into consideration the following factors when deciding on 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.
Get a free quote from our #1 recommended provider in Macomb
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 a home warranty in place can provide some peace of mind and prevent you from paying exorbitant out-of-pocket costs. Most home warranty plans start about 30 days after paying for the home warranty policy.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty service provider. Most companies have an online portal to help you 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 typically between $60 and $150 depending on what plan you opt for. Once 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 the coverage cap is not reached, most homeowners will not have any other out-of-pocket costs after the service fee is paid.
A home warranty in Macomb typically covers the main systems and appliances in the house. Appliances covered under a home warranty plan are usually the refrigerator, garbage disposal, microwave, dishwasher, dryer, and more. Systems that are covered usually include plumbing systems, air conditioners, heating systems, water heaters, and electrical systems. Add-on options can vary from one plan to another but typically include things such as a sprinkler system, second refrigerator, plumbing stoppages, septic system, and central vacuum.
An important thing to consider is that home warranties only protect against normal wear and tear that occurs on your home systems and appliances. Things like pre-existing conditions, misuse, lack of maintenance, and cosmetic damages are excluded from the home warranty policy.
Macomb is known for its mild winters and hot summers, and if you live in Macomb, you know that the weather can be unpredictable. During the summer months, your air conditioner can be overworked in its effort to combat the heat. If your air conditioner did break down, a home warranty can cover the repairs and help bring down your out-of-pocket expenses.
In addition to saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the pain of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair issues you may experience.
As for the drawbacks of home warranties, system and appliance coverage varies by company so it's important to understand what each plan covers and excludes in the contract. Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They often won't cover home systems or appliances that have been damaged due to natural disasters, improper maintenance, animal infestations, etc.
Whether or not a home warranty is worth it depends on your personal situation. Like any other kind of insurance policy or warranty, its purpose is to give you some peace of mind, so you will have to decide how much that is worth to you.
Hopefully, this review of Macomb's best home warranty options has helped you narrow down your choices and ultimately find the right plan for you. All of these top providers have impressive experience in the industry and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. Choice Home Warranty provides home warranties with great coverage at an affordable price.
Our pick for the best overall home warranty provider in Macomb 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 plan helps protect against the normal wear of systems and appliances in a home. A homeowners insurance plan protects your entire home in a situation like a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim if you need a new dryer or oven, unless the damage is a result of a natural disaster.
Usually coverage for a home warranty plan begins 30 days on the day the sale closes. However, a few providers may let you file a claim 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 Macomb. Everything from a oven to a swimming pool can be covered under a home warranty.
A service fee is a cost that a homeowner pays before a service technician or contractor comes to your home to fix your home warranty-related issue. The pricing is typically between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty apart from the monthly premium/annual cost.
Homeownership can be expensive. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty policy, you won't have any large hits to your bank account .