When one of your systems or appliances malfunctions, a home warranty will step in to help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less stressed by homeownership.
With hot summers and cool winters, keeping your home appliances and systems working, particularly HVAC, are extremely important for homeowners in the Cumberland area of Indiana.
Even though a home warranty can help with your homeowner expenses, one issue is narrowing down the right choice for your Cumberland home. That's why we've done the research and have made a guide of the best home warranty plans in Cumberland.
After researching the basics of home warranties in Cumberland, the next step is to determine which company you'd like to receive a free quote from. Below are some tips on looking for a home warranty in Cumberland:
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 Cumberland
A home warranty is a home protection plan that can help homeowners save money on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Cumberland home comfortable and convenient. When these things need repairs or replacements, it can be costly and a nuisance. Luckily, with a home warranty plan, an affordable repair is just a phone call away.
For Cumberland homeowners, when an issue arises with a covered appliance or system, it is very easy to file a claim. Most home warranty companies have an online portal system where a claim can be submitted. The claim is then processed, and a homeowner will pay the service fee to schedule the repair for their home. This repair will typically occur within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees are between $60 and $150.
A home warranty plan will cover your home's systems and appliances from normal wear and tear. Typical appliances covered by a home warranty include a microwave, garbage disposal, washer, dishwasher, dryer, refrigerator, and more. The systems that are most commonly covered will be plumbing systems, heating systems, hot water heaters, air conditioners, and electrical systems. Add-on coverage will vary from plan to plan, but you can expect to see things such as roof leaks, sump pumps, central vacuums, pools, spas, and electronics.
A home warranty will only protect against normal wear and tear on your home systems and appliances. Things like lack of maintenance, cosmetic damages, misuse, and pre-existing conditions are not included in the home warranty policy.
Since temperatures in Cumberland 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 plan can help homeowners save money if one of these systems or appliances breaks unexpectedly.
Not only can a Cumberland home warranty save you some money on repairs and replacements, it saves you time too. Instead of having to vet service technicians by yourself, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them.
Home warranties also have some cons. Though it can give you less to worry about since the home warranty sends out a service technician who handles the repair for you, some homeowners may not like this, and they would prefer to select their own contractor. If that's the case for you, some home warranty providers allow you to select a contractor. Also, 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.
It isn't always easy 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 getting one but its main purpose is to offer you protection and peace of mind.
Hopefully, this review of Cumberland's best home warranty companies has helped you narrow down your choices and ultimately find the best plan for you. Choice Home Warranty stands out as the best overall company. It offers great coverage of all the essential home appliances and systems at an affordable cost with several optional add-ons.
The best overall home warranty in Cumberland is Choice Home Warranty but the right company for you will vary based on factors such as what appliances and systems you need to have covered.
A home warranty is a type of contract that covers the repairs and replacements of your major home system components and appliances.
A home warranty plan protects against the normal wear of systems and appliances in a home. Homeowners insurance protects your entire home in case of something like a natural disaster or fire. With homeowners insurance, you will not be able to file a claim should you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster.
A home warranty can help homeowners, homebuyers, home sellers, real estate agents, and investors. It can offer peace of mind and savings to anyone involved in homeownership.
Home warranties will cover the cost of repairs and replacements as long as it is within the coverage cap of the plan. If the replacement will cost more than the home warranty plan covers, you will have to pay the rest out of pocket.