A Peoria home warranty policy can help protect home buyers and current homeowners by lowering the costs of major repairs and replacements on your home's appliances and systems.
With hot summers and cool winters, keeping your home appliances and systems working, particularly HVAC, are extremely important for homeowners in the Peoria area of Illinois.
Finding the best home protection plan for your Peoria home can be difficult, so our team at House Method did the research for you to help you find the best home warranty in Peoria. Keep reading for our home warranty recommendations and learn which plan works best for your home.
Once you're ready to buy a home warranty policy, the first step is deciding what appliances and systems you need coverage for. From there, you can compare plans and contact different home warranty companies for a free quote. Policies can vary, so consider 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.
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A home warranty is a service contract that brings down the cost of repairs when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to keep a budget in place and don't want to dip into their savings to pay for large repair or replacement expenses. Typically about 30 days after paying for a home warranty plan, the coverage will start on your home systems and appliances.
When you notice an issue with one of your appliances or systems, you can file a claim with your home warranty company. Then, a customer service representative will contact you about a contractor coming over to look at the issue. The claim is then processed, and a homeowner will pay the predetermined service fee to schedule the repair . This repair will usually occur within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees range between $60 and $150.
A home warranty plan provides coverage on your home's major appliances and systems and it can help reduce your home maintenance expenses. The appliances that are usually covered under a home warranty plan include garbage disposal, clothes dryer, microwave, refrigerator, clothes washer, dishwasher, and more. The systems usually included are hot water heaters, air conditioners, electrical systems, plumbing systems, and ductwork. Add-on options can vary by plan but commonly include things like a central vacuum, sprinkler system, second refrigerator, plumbing stoppages, and septic system.
A home warranty will only protect against normal wear and tear that occurs on your home systems and appliances. Things such as pre-existing conditions, misuse, cosmetic damages, and lack of maintenance are excluded from the home warranty policy.
Since temperatures in Peoria can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Buying a home warranty can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Not to mention, having a home warranty can save you some time by eliminating the need to research service technicians--most companies will send a trusted professional right to your door to carry out the necessary repair or replacement.
Home warranties also have some drawbacks. Though it can give you less to worry about since the home warranty sends out a repair technician who takes care of the repair for you, some homeowners may not like this, and they would rather choose their own contractor. If that's the case for you, some home warranty providers let you choose a contractor. Another stipulation is that home warranties typically only cover damage from normal wear and tear. They commonly won't cover systems or appliances that have been damaged due to natural disasters, animal infestations, improper maintenance, etc.
It can be challenging to budget for the unexpected expenses that can come with homeownership, but a home warranty can help you with that. As with any sort of 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 like you can choose the right home warranty for your Peoria home. Choice Home Warranty is the best overall home warranty provider in Peoria. Its comprehensive coverage, fair pricing, and easy to understand plans make it a great home warranty for Peoria homeowners.
Our pick for the best overall home warranty provider in Peoria is Choice Home Warranty but the best company for you will vary based on factors like what appliances and systems you need to have covered.
A home warranty is a type of service contract that gives homeowners extra coverage for their household systems and appliances. These include refrigerators, garbage disposals, dishwashers, dryers, washing machines, sump pumps, water heaters, electrical systems, plumbing, and heating and cooling systems, among others. Some companies also offer coverage for pools, garage door openers, ceiling fans, and roofs. A home warranty can help you save money if these items break down unexpectedly.
First-time home buyers, real estate agents, homeowners, home sellers, and landlords are all eligible for home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save homeowners money in the long run.
A home warranty covers repair and replacement costs for systems and appliances in a home. Home warranties will not cover the intentional breaking of an appliance or pre-existing conditions.
A service fee is an expense that you pay before a repair person or contractor comes to your home to repair your home warranty-related problem. Prices typically range between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty in place apart from the policy's premium.
A home warranty in Peoria can cost between $40 and $80 a month. Higher-priced plans typically have more coverage, a lower service fee, and higher coverage limits.