A home warranty is a way to protect your budget 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.
With a relatively mild climate, Ames is a great place to own a home. However, homeownership comes with its difficulties, like repairing your home's systems and appliances.
Choosing the best home warranties on the market can be a challenge because of the sheer number of options out there. If you are overwhelmed by trying to compare the different options, keep reading for our guide on the top home warranty providers in Ames.
The first step in protecting your home with a home warranty is determining which provider's plan is right for you. Consider the appliances and systems in your home you want coverage for and compare the plans. Plans can vary, so take into consideration the following factors when picking a home warranty company:
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 Ames
A home warranty is a plan that can help homeowners save money on appliance and system repairs and replacements. Working appliances and home systems are what make living in an Ames home comfortable and convenient. When these things start to break down, it can be costly and a headache. Fortunately, with a home warranty plan, an affordable repair is just a phone call away.
When one of your systems or appliances experiences a problem, you file a claim with your service provider. You can do so online or by calling them, and then a contractor will come and fix the problem. At this point, you will also pay your service fee. Once the contractor fixes the issue, they will handle it at no cost to you. The only time an Ames homeowner may have out-of-pocket costs is if the repair or replacement is above the item's coverage cap.
A home warranty in Ames usually covers the main systems and appliances in the home. The appliances typically covered under a home warranty plan are the dryer, microwave, refrigerator, oven, dishwasher, washing machine, and more. System coverage typically includes plumbing, electrical systems, air conditioning, water heaters, heating systems, and more. The add-on coverage options can include spa, pool, septic system, roof leak, and sometimes even things like locksmith or pest control.
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 follow preventative maintenance guidelines, the home warranty will not cover it. Things like pre-existing conditions, lack of maintenance, cosmetic damages, and misuse are not included in a home warranty policy.
Ames's cold winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty is designed to cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the needed repairs, saving you from spending unexpected money out of pocket.
A home warranty can also provide value in other ways. For instance, some policies can be transferred to another owner during a home sale.
One disadvantage of getting a home warranty is that there are usually exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it's important to read over the contracts you're considering thoroughly to get a sense of what is included and what isn't. Another pain point of home warranties is that they don't cover systems or appliances that have been improperly maintained. This can lead to your repair requests being denied, so it's important to carefully follow the manufacturer's guidelines for maintenance of your home systems and appliances.
A home warranty can help with some of a homeowner's maintenance concerns, but ultimately, it's up to you to determine if investing in one is a good move for you and your family. Be sure to do your research and read through any home warranty contracts that you're considering getting to understand what repairs will and will not be covered under your contract.
Hopefully, you now feel as though you can choose the best home warranty for your Ames home. When it comes to home warranty company choices in Ames, the best overall is Choice Home Warranty. Its comprehensive coverage, affordable pricing, and easy to understand plans make it a great home warranty for Ames homeowners.
The top home warranty company in Ames is Choice Home Warranty. Choice Home Warranty an expansive network of experienced service technicians and a respected reputation in the Ames area.
A home warranty is a type of service contract that provides homeowners extra coverage for their household systems and appliances. These include refrigerators, garbage disposals, washing machines, dryers, dishwashers, electrical systems, heating and cooling systems, sump pumps, water heaters, and plumbing, among others. Some policies also provide coverage for garage door openers, roofs, ceiling fans, and pools. A home warranty can help you save money if these appliances and systems break down unexpectedly.
Most home warranty policies have a 30-day waiting period before you can make service requests, but some may let you file sooner so be sure to check with the company about this.
A home warranty plan can cost on average anywhere from about $300 to $800 a year in Ames. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's usually less expensive to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best price is.