A home warranty can offer you the peace of mind you need about your home and shield your bank account from large expenses by covering your home's major systems and appliances.
Owning a home in Lafayette has tons of great benefits, but there are, of course, some downsides too. The humid weather can cause problems in a home and destroy some systems and appliances.
Although a home warranty can help with your homeowner expenses, one pain point is narrowing down the perfect choice for your Lafayette home. That's why we've done the research and have put together a list of the top home warranty plans in Lafayette.
Deciding on the best home warranty in Lafayette for you comes down to the kind of coverage you're looking for, the home warranty company you go with, and your location, among other factors. Before deciding which home warranty to purchase, here are a few other factors to consider:
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 that makes it more affordable when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to stick to their budget and don't want to use their savings to pay for large repair or replacement expenses. Typically about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
Filing a claim with your home warranty company is quite straightforward. You can utilize either an online portal system or a direct phone number to file your claim with your home warranty company. At this point, you will pay the service fee, which is typically between $60 and $150 depending on what plan you opt for. Once the service fee is paid, a service technician will come to your home, assess the issue, and repair it. As long as the repair is covered under the warranty and it's within the coverage cap, most homeowners will not have any other out-of-pocket costs .
A home warranty plan will cover your home's systems and appliances from normal wear and tear. The appliances include a microwave, refrigerator, clothes dryer, stove, dishwasher, clothes washer, cooktop, and more. The systems included are the heating system, air conditioner, plumbing, water heater, electrical, and more. Add-on options can vary from one plan to another but typically include things like a second refrigerator, septic system, plumbing stoppages, sprinkler system, and central vacuum.
A Lafayette home warranty will only protect against normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, intentional breakages, natural disasters, and pre-existing conditions are not covered with a Lafayette home warranty.
Since temperatures in Lafayette can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Getting a home warranty plan can help homeowners save money if one of these systems or appliances breaks down suddenly.
Along with saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the hassle of trying to find a qualified technician to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair issues you may have.
One of the major drawbacks of a home warranty is not everything may be covered. It's important to compare the different plans and select one that covers all the appliances, systems, and add-ons you need. Another pain point of home warranties is that they don't cover systems or appliances that haven't been properly maintained. This can lead to your claims being denied, so it's important to carefully follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Homeownership is a big responsibility that can be costly, but fruitful. 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 taking the leap and getting a policy.
A home warranty in Lafayette can save you thousands of dollars and offer you peace of mind when it comes to costly home repairs and replacements. All of these top choices have impressive histories and backgrounds and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. Choice Home Warranty offers great coverage at an affordable price.
The best home warranty company in Lafayette is Choice Home Warranty. Choice Home Warranty has an expansive network of professional service technicians and a great reputation in the Lafayette area.
A home warranty is a kind of service contract that gives homeowners extra coverage for their household systems and appliances. These include dryers, washing machines, garbage disposals, refrigerators, dishwashers, water heaters, electrical systems, heating and cooling systems, plumbing, and sump pumps, among others. Some companies also provide coverage for garage door openers, pools, ceiling fans, and roofs. A home warranty can help you save money if these appliances and systems fail unexpectedly.
Usually coverage for a home warranty 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 in Lafayette. Everything from a stove to a garage door can be covered under a home warranty.
A home warranty can cost on average anywhere from around $300 to $800 a year in Lafayette. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by choosing a higher service fee. Additionally, it's often cheaper to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, going with the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best value is.