A home warranty is a way to protect your savings account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be remarkably lower and allow you to live in your home with more peace of mind.
Many people in Des Moines have made their dream of owning a home into a reality. However, as great as Des Moines can be, there are always added responsibilities that come with owning a home, like keeping your home's systems and appliances maintained.
Since the home warranty market has a lot of providers — all with different coverage — our team at House Method did the research for you to help you find the best home warranty in Des Moines.
Picking the best home warranty in Des Moines for you and your family comes down to the type of coverage you're looking for, the home warranty provider you opt for, and your location, among other factors. Plans can vary, so take into consideration the following factors when deciding on a home warranty policy:
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 have issues over time due to normal wear and tear. Having a home warranty in place can provide some peace of mind and prevent you from paying unexpected out-of-pocket costs. Most home warranty plans start about 30 days after purchasing the home warranty policy.
When one of your systems or appliances experiences an issue, you file a claim with your service provider. You can do so online or by calling them, and then a technician will come and fix the problem. At this point, you will also pay your service fee. Once the contractor takes a look at the problem, they will deal with it at no cost to you. The only time a Des Moines homeowner may have out-of-pocket costs is if the repair or replacement is above the item's coverage cap.
A home warranty plan will cover systems and appliances that have broken down from normal wear and tear. For example, if your washing machine suddenly stops working under normal use conditions, your home warranty company can help. Typical appliances covered by a home warranty plan include a dryer, microwave, refrigerator, garbage disposal, dishwasher, washer, and more. The systems that are most commonly covered will be air conditioners, electrical systems, hot water heaters, plumbing systems, and heating systems. Many plans also have add-on coverage options like central vacuum, septic systems, locksmith, and even roof leaks.
A Des Moines home warranty will only cover repairs and replacements due to normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, intentional breakages, pre-existing conditions, and natural disasters are not covered with a Des Moines home warranty.
Des Moines' mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty will cover your home's appliances and systems if 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 necessary repairs, preventing you from spending a lot of money out of pocket.
Not only can a Des Moines home warranty save you money on repairs and replacements, it saves you time too. Instead of vetting contractors by yourself, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them.
There are also some downsides to buying a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that already have a manufacturer's warranty. Another drawback is that home warranties may exclude some repairs, such as those due to natural disasters. For example, if your house floods, the systems and appliances that were affected probably won't be covered by the home warranty.
Owning a home is a big responsibility that can be costly, but rewarding. A home warranty is one thing that can help with your home maintenance budget, but whether or not it's worth it for you is something you'll have to consider before taking the leap and getting a policy.
Hopefully, this review of Des Moines' top home warranty companies has helped you narrow down your choices and ultimately decide on a plan. Choice Home Warranty stands out as the best overall choice. It offers great coverage at an affordable monthly cost. However, other home warranties mentioned above are also great choices for Des Moines residents.
The best home warranty company in Des Moines is Choice Home Warranty. Choice Home Warranty an expansive network of professional service technicians and a tremendous reputation in the Des Moines area.
A home warranty is a contract that covers the repairs and replacements of your major home systems and appliances.
Home warranties cover problems related to home systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different insurance that protects the entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system repairs.
A home warranty policy will cover repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and often don't cover pre-existing conditions.
Most home warranties will cover replacement costs as well as repair costs. How much the coverage cap is varies from one plan to the next. Home warranties will give you some money towards a replacement but the entire replacement may not be paid for.