A home warranty is a way to protect your savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
There are many great things abouts owning a home in Salem. But, major home systems and appliances, like your electrical systems and washer and dryer, can break down due to normal wear and tear, leaving you with expensive repairs.
Since the home warranty market has a variety of providers — all with different plans — the House Method team decided to do the research for you to help you find the right home warranty in Salem.
After researching home warranties in Salem, your next step is to decide which company you'd like to receive a free quote from. When considering which home warranty provider is the best fit for you, here are some important factors to keep in mind:
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 Salem
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they have issues over time due to normal wear and tear. Having one in place can give you some peace of mind and prevent you from paying exorbitant out-of-pocket costs. Most home warranty plans start about 30 days after paying for the home warranty plan.
For Salem 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 where a claim can be filed. The claim is then processed, and a homeowner will pay a service fee to schedule the repair . This repair will usually happen 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 example, if your washing machine suddenly stops working under normal use conditions, your home warranty provider can help. Appliances covered under a home warranty plan are typically the microwave, garbage disposal, refrigerator, dryer, dishwasher, and more. Systems that are covered usually include water heaters, plumbing systems, electrical systems, heating systems, and air conditioners. Add-on coverage options can vary by company but typically include things such as a plumbing stoppages, sprinkler system, central vacuum, second refrigerator, and septic system.
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 appliances or systems and maintain them properly, the home warranty will not cover it. Things such as misuse, pre-existing conditions, lack of maintenance, and cosmetic damages are excluded from a home warranty policy.
Since temperatures in Salem 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 policy can help homeowners save money if one of these systems or appliances stops working unexpectedly.
Not only does a home warranty offer some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a repair person and schedule a repair. A home warranty deals with this process by sending trusted professionals to your door when you need them most.
One drawback of buying a home warranty is that there are generally exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it's important to read through the contracts you're considering thoroughly to understand what is included and what isn't. In addition, if you don't maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
Whether or not a home warranty is worth it ultimately depends on your personal situation. Like any other kind of insurance policy or warranty, it's there to provide you some peace of mind, so you will have to be the judge of how much that is worth to you.
Hopefully, you now feel confident that you can choose a home warranty company in Salem after reading through our reviews. All of these top providers have impressive histories and backgrounds and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. Its comprehensive coverage, affordable pricing, and ease of use make it a great home warranty for Salem homeowners.
Our pick for the best overall home warranty provider in Salem is Choice Home Warranty but the perfect company for you will depend on factors such as what appliances and systems you need to have covered.
Home warranties cover issues with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a different kind of plan that protects the entire home from natural disasters and fires. It doesn't cover normal appliance or system damage.
A home warranty will cover repair and replacement costs for home systems and appliances. Home warranties only cover damage due to normal wear and tear and usually don't cover pre-existing conditions.
A Salem home warranty can cost between $40 and $80 a month. Higher-priced plans tend to have higher coverage limits, more coverage, and a lower service fee.