A home warranty in Ankeny can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
With the weather patterns common in Ankeny, homes can experience quite a bit of wear and tear over time. There's nothing worse than having your heater go out in the middle of winter.
Although a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the perfect choice for your Ankeny home. That's why we've done the research and have compiled a list of the top home warranty options in Ankeny.
After reviewing the basics of home warranties in Ankeny, your next step is to figure out which company you want to get a free quote from. Options can vary, so take into consideration the following factors when picking a home warranty plan:
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 Ankeny
A home warranty is a protection plan that brings down the cost of repairs when one of your home systems or appliances has a problem. A home warranty can help homeowners who need to stick to their budget and don't have the 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.
When you notice an issue with one of your appliances or systems, you can submit a claim with your home warranty company. Then, a customer service representative will contact you about a contractor coming over to take a look at the issue. The claim is then processed, and a homeowner will pay a predetermined service fee to schedule the repair for their home. This repair will typically happen within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees are between $60 and $150.
A home warranty in Ankeny typically covers the main systems and appliances in your home. Appliances covered under a home warranty plan are the dryer, dishwasher, microwave, garbage disposal, refrigerator, and more. Systems that are covered usually include heating systems, air conditioners, plumbing systems, water heaters, and electrical systems. Many plans also offer add-on coverage options like central vacuum, locksmith, roof leaks, and even septic systems.
Ankeny homeowners should understand that a home warranty plan will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like cosmetic issues, misuse of a system or appliance, pre-existing conditions, or natural disasters. You need to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related problem will be covered by the policy.
Ankeny's cold winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the needed repairs, preventing you from spending unexpected money out of pocket.
Another added benefit of having a home warranty policy is that it can increase your home's property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new home buyers depending on the company you have your home warranty with.
One of the major drawbacks of a home warranty is not everything may be covered. It's important to compare the different plans and get one that covers all the appliances, systems, and add-ons you need. Another drawback is that home warranties may not include some repairs, such as those that are needed because of natural disasters. For example, if your house floods, the systems and appliances that were affected probably won't be covered by the home warranty.
Whether or not a home warranty is worth it ultimately comes down to your personal situation. Similar to any other sort of insurance policy or warranty, its purpose is to give you some peace of mind, so you will have to decide how much that is worth to you.
Hopefully, this review of Ankeny's top home warranty providers has helped you narrow down your choices and decide on a plan. Choice Home Warranty stands out as the best overall choice. Choice Home Warranty offers home warranties with comprehensive coverage at an affordable price.
The top home warranty provider in Ankeny is Choice Home Warranty. Choice Home Warranty a large network of experienced contractors and a tremendous reputation in the Ankeny area.
A home warranty is a service contract that covers repairing and replacing your major home system components and appliances.
A home warranty plan will cover repair and replacement costs for home systems and appliances. Home warranties will not cover the intentional breaking of an appliance or pre-existing conditions.
Home warranties will cover the cost of repairs and replacements as long as it is within the policy limits of the plan. If the replacement will cost more than the home warranty covers, you will have to pay the rest out of pocket.