A home warranty can bring you the peace of mind you need about your home and shield your bank account from large expenses by covering your home's major systems and appliances.
Dubuque gives homeowners some great neighborhoods and the opportunity to enjoy the seasons. However, the variable temperatures can do quite a bit of damage to your home's systems.
Although a home warranty can help with your homeowner expenses, one pain point is narrowing down the perfect choice for your Dubuque home. That's why we've done the research and have compiled a list of the top home warranty companies in Dubuque.
The first step in protecting your house with a home warranty is determining which company's plan fits your needs. Think about the items in your home you'd like coverage for and compare the plans. Here is a list of factors that you'll want to keep in mind when choosing a home warranty provider:
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 Dubuque
A home warranty is a home protection plan that can help homeowners save money on appliance and system repairs and replacements. Working appliances and home systems are what make living in a Dubuque home comfortable and convenient. When they need repairs or replacements, it can be expensive and an inconvenience. Fortunately, with a home warranty plan, an affordable repair is just a phone call away.
For Dubuque homeowners, when an issue comes up 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 the service fee, which is usually between $60 and $150 depending on what plan you have. After the service fee is paid, a repair person will come to your home, assess the issue, and make the repair. If the repair is covered under the warranty and the coverage cap is not reached, most homeowners will not have any other out-of-pocket costs after the service fee is paid.
Home warranty plans help protect both home systems and appliances. A home warranty can cover repair and replacement-related expenses that are due to normal wear . Appliances covered under a home warranty plan are the garbage disposal, microwave, dryer, dishwasher, refrigerator, and more. Systems that are covered usually include air conditioners, electrical systems, heating systems, water heaters, and plumbing systems. Add-on options can vary by plan but often include things such as a central vacuum, plumbing stoppages, septic system, sprinkler system, and second refrigerator.
A home warranty will only protect against normal wear and tear that occurs on your home systems and appliances. Things such as lack of maintenance, cosmetic damages, misuse, and pre-existing conditions are excluded from the home warranty policy.
Dubuque is known for its cold winters, and if you live in Dubuque, you know that the weather can be unpredictable. During the winter months, your heating system can be overloaded in its effort to combat the cold. In the event that your heater did break down, a home warranty can cover the repairs and prevent you from spending out-of-pocket expenses.
Additionally, having a Dubuque home warranty can make your house more attractive to potential home buyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your plan to a new owner and give them the protection you've been receiving.
There are also some downsides to buying a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that are already covered by a manufacturer's warranty. Another thing to take into consideration is that some providers don't cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty provider for clarification about it if you aren't sure or if this is an issue for you.
Although home warranties do have some exclusions to keep in mind, whether during winter, summer, or the months in between, a home warranty can help reduce the inevitable hassle of dealing with home appliances and system repairs, giving you a little peace of mind.
A home warranty in Dubuque can save you a lot of money and offer you peace of mind when it comes to pricey home repairs and replacements. Choice Home Warranty is the best overall home warranty company in Dubuque. It offers great and comprehensive coverage of all the essential home systems and appliances at an affordable cost with several optional add-ons.
The best overall home warranty in Dubuque is Choice Home Warranty but the right company for you will vary based on factors such as what appliances and systems you need coverage for.
A home warranty is a kind of service contract designed to give homeowners extra coverage for their household systems and appliances. These include dishwashers, garbage disposals, refrigerators, washing machines, dryers, water heaters, heating and cooling systems, electrical systems, plumbing, and sump pumps, among others. Some plans also provide coverage for garage door openers, ceiling fans, roofs, and pools. A home warranty can help you save money if these items fail unexpectedly.
Typically coverage for a home warranty policy begins 30 days after the payment receipt. However, a few companies may allow you to file a claim before this, so verify with customer service to find the exact waiting period for your case.
Home warranties will cover the cost of repairs and replacements if it is within the policy limits of the plan. If the replacement will cost more than the home warranty plan covers, you will have to pay for the rest out of pocket.