A home warranty can bring you the peace of mind you need about your home and guard your bank account from large expenses by covering your home's major systems and appliances.
There are many benefits of homeownership in New Albany. But, major home systems and appliances, like your electrical systems and refrigerator, can stop working due to normal wear and tear, leaving you with expensive repairs.
Because the home warranty market is filled with a lot of providers — all with different price points — the House Method team did the research for you to help you find the best home warranty in New Albany.
Now that you're ready to buy a home warranty plan, the first step is considering what appliances and systems you need coverage for. From there, you can compare plans and contact different home warranty companies for a free quote. Below are some tips on looking for a home warranty in New Albany:
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 covers the cost of repairing or replacing major home systems and appliances when they break over time due to normal wear and tear. Having a home warranty in place can offer you some peace of mind and protect your bank account from large out-of-pocket costs. Most home warranty plans start about 30 days after purchasing the home warranty plan.
For New Albany 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 you can submit a claim. The claim is then processed, and a homeowner will pay a 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 will cover systems and appliances that have stopped working due to normal wear and tear. For instance, if your dishwasher suddenly needs repairs under normal use conditions, your home warranty company can help. The appliances that are usually covered under a home warranty plan include clothes dryer, refrigerator, garbage disposal, dishwasher, clothes washer, microwave, and more. The systems usually included are ductwork, hot water heaters, plumbing systems, air conditioners, and electrical systems. You can also optionally choose to pay a bit extra for add-on coverage for items such as septic systems, roof warranty, swimming pools, and spas.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your home and follow preventative maintenance guidelines, your home warranty will not cover it. Things such as lack of maintenance, pre-existing conditions, cosmetic damages, and misuse are not covered by a home warranty policy.
Since temperatures in New Albany can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Having a home warranty can help homeowners save money if one of these systems or appliances breaks down suddenly.
Plus, though home warranty companies vary, some providers will let you transfer your warranty if you sell your home. This can make your property more attractive to potential home buyers and maybe even make your home sell faster.
There are also some downsides to buying a home warranty plan, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that already have a manufacturer's warranty. Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They often won't cover systems or appliances that have need repairs or replacements due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty can aid with some of a homeowner's maintenance worries, but in the end, it's up to you to determine whether or not investing in one is a good choice for you and your family. Be sure to do your research and read over any home warranty contracts that you're considering buying to get a handle on what repairs will and will not be covered under your contract.
Hopefully, you now feel as though you can select the right home warranty for your New Albany home. When it comes to home warranties in New Albany, the best overall is Choice Home Warranty. It offers great coverage at an affordable premium. However, other home warranties reviewed above are also great choices for New Albany residents.
The best overall home warranty company in New Albany is Choice Home Warranty but the right company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty is a service contract that covers the repairs and replacements of your major home systems and appliances.
Most home warranty policies have a 30-day waiting period before you can file claims, but some may offer coverage sooner so make sure you check with the company about this.
A home warranty plan will cover repair and replacement costs for systems and appliances in a home. Home warranties will not cover the intentional breaking of an appliance or something that happened as a result of a pre-existing condition.
Home warranties will cover the cost of repairs and replacements if it is within the policy limits of the plan. If the replacement costs more than the home warranty covers, you will have to pay for the rest out of pocket.
Homeownership can be pricey. When a system or appliance breaks down, it can leave homeowners unexpectedly having pay a large amount of money to fix it. With a home warranty policy, you won't have any large hits to your savings account for home maintenance.