When one of your systems or appliances stops working, a home warranty will help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less anxious about homeownership.
As much as you may enjoy homeownership in Cedar Rapids, there is always that worry about whether or not your systems and appliances are going to hold up during the next few years.
Finding the best home warranty on the market can be quite overwhelming since there are so many companies to choose from. That's why our team at House Method did the research and put together a list of the best home warranty companies in Cedar Rapids for you.
The first step in protecting your property with a home warranty is determining which provider's plan is the best for you. Figure out which items in your home you need coverage for and compare the policies. When figuring out which home warranty provider is the best one 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.
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A home warranty is a protection plan that covers home systems and appliances. When your washer or dryer breaks down and the repair costs several hundred dollars, a home warranty will make sure that you only have to pay a predetermined service fee. Home warranty coverage typically starts without an inspection and generally goes into place about thirty days after making your first payment.
For Cedar Rapids homeowners, when a problem arises with a covered appliance or system, it is very straightforward to file a claim. Most home warranty providers have an online portal system where a claim can be filed. At this point, you will pay your service fee. Service fees for home warranties range in price from $60 to $150. Most home warranty plans also have a coverage cap, which is the maximum cost per year that the home warranty will cover for repairs and replacements.
A home warranty plan will cover your home's systems and appliances from normal wear . Appliances covered under a home warranty plan are the refrigerator, dryer, microwave, garbage disposal, dishwasher, and more. Systems that are covered usually include air conditioners, electrical systems, heating systems, plumbing systems, and water heaters. The add-on coverages can include roof leak, spa, septic system, pool, and sometimes even things like locksmith or pest control.
Cedar Rapids homeowners should know that a home warranty plan will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. You need to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related complication will be covered by the policy.
Since temperatures in Cedar Rapids can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Getting a home warranty plan can help homeowners save money if one of these systems or appliances stops working suddenly.
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 home, you may be able to transfer your home warranty plan to the new home buyers depending on the company you purchased your home warranty through.
Home warranties also have some cons. While it can be convenient that the home warranty sends out a repair technician who takes care of the repair for you, some people may not like this, and they would rather select a contractor themselves. If that's important to you, some home warranty plans allow you to select a contractor. Additionally, if you don't maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
Owning a home is a big responsibility that can be expensive, but valuable. A home warranty is one thing that can help with your home maintenance budget, but its worth for you is something you'll have to consider before getting a policy.
Hopefully, you now feel like you can select the best home warranty for your Cedar Rapids home. All of these top providers have impressive histories and backgrounds and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. Its comprehensive coverage, fair pricing, and easy to understand plans make it a great home warranty for Cedar Rapids homeowners.
Our pick for the best overall home warranty provider in Cedar Rapids is Choice Home Warranty but the perfect company for you will vary based on factors like what appliances and systems you need to have covered.
A home warranty is a of service contract that gives homeowners extra coverage for their household systems and appliances. These include washing machines, refrigerators, garbage disposals, dishwashers, dryers, water heaters, electrical systems, heating and cooling systems, plumbing, and sump pumps, among others. Some plans also offer coverage for roofs, pools, garage door openers, and ceiling fans. A home warranty can help you save money if these appliances and systems break down unexpectedly.
A home warranty plan helps protect against the normal wear of systems and appliances in a home. A homeowners insurance plan protects a home in case of something such as a natural disaster or fire. Under homeowners insurance, you will not be able to file a claim should you need a new washing machine or dishwasher, unless the damage is a result of a natural disaster.
Most home warranty policies have a 30-day waiting period before you can make service requests, but some may allow you to file sooner so make sure you check with the company about this.
Home warranties will cover the cost of repairs and replacements as long as it is within the coverage cap of the plan. If the replacement will cost more than the home warranty covers, you will have to pay for the rest out of pocket.
A service fee is an expense that must be paid before a service technician or contractor comes to your home to repair your home warranty-related issue. The pricing is typically between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty except for the monthly premium/annual cost.