A home warranty can offer you the peace of mind you need about your home and shield your savings account from large expenses by covering your home's major systems and appliances.
Many living in Ottawa have fulfilled their dream of homeownership. However, as great as Ottawa can be, there are always difficulties that come with owning a home, such as keeping your home's systems and appliances maintained.
Finding the best home warranty on the market can be quite time-consuming because there are dozens of companies to decide between. That's why our team at House Method did the research and compiled a list of the best home warranty companies in Ottawa for you.
Now that you're ready to purchase a home warranty, the first step is considering what items you want coverage for. After that, you can compare plans and call different home warranty providers for a free quote. Below is a list of some tips on buying a home warranty in Ottawa:
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 you're only responsible for a predetermined service fee. Home warranty coverage typically starts without an inspection and you can generally start using it about thirty days after making your first payment.
When you notice a problem with one of your appliances or systems, you can submit a claim with your home warranty provider. Then, a customer service representative will contact you about a contractor coming over to take a look at the issue. The claim is then processed, and a homeowner will pay a predetermined service fee to schedule the repair for their home. This repair will typically occur within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees are between $60 and $150.
A home warranty plan will cover home systems and appliances from normal wear . Typical appliances covered by a home warranty plan include a dryer, washer, refrigerator, microwave, dishwasher, garbage disposal, and more. The systems that are most commonly covered will be electrical systems, heating systems, hot water heaters, plumbing systems, and air conditioners. Add-on coverage will vary from one plan to another, but you can expect to see add-ons like electronics, pools, central vacuums, spas, sump pumps, and roof leaks.
A home warranty will only protect against normal wear and tear that occurs on your home systems and appliances. Things like misuse, pre-existing conditions, cosmetic damages, and lack of maintenance are not included in the home warranty policy.
Since temperatures in Ottawa can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Having a home warranty policy can help homeowners save money if one of these systems or appliances breaks suddenly.
A home warranty also can also save you time and energy. Instead of spending hours researching and choosing a technician to fix your appliance or system, home warranty companies do the hard work for you and just send a trusted professional to your door whenever you need them.
One of the main drawbacks of home warranties is not everything you care about may be covered. It's important to weigh the different policies and choose one that covers all the appliances, systems, and add-ons you need. Plus, if you don't maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
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 weigh before purchasing a policy.
We hope you now feel confident that you can choose a home warranty in Ottawa after going through our guide. The best provider in Ottawa is Choice Home Warranty. It offers great coverage at an affordable premium. However, other home warranties mentioned above are also great choices for Ottawa residents.
Our pick for the best overall home warranty provider in Ottawa is Choice Home Warranty but the right company for you will vary based on factors like what appliances and systems you need to have covered.
A home warranty is a kind of service contract that provides homeowners extra coverage for their household systems and appliances. These include dishwashers, washing machines, garbage disposals, refrigerators, dryers, sump pumps, heating and cooling systems, electrical systems, water heaters, and plumbing, among others. Some policies also offer coverage for pools, garage door openers, roofs, and ceiling fans. A home warranty can help you save money if these appliances and systems fail unexpectedly.
Home warranty plans cover problems with systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a different kind of insurance that protects one's entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system repairs.
The service fee is the price you pay every time there's an issue with a system or appliance. The service fees are commonly priced between $60 and $150.