When one of your systems or appliances stops working, a home warranty will step in to help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less overwhelmed by homeownership.
Many people in Dubuque have made their dream of owning a home into a reality. However, as great as Dubuque can be, there are always added responsibilities that come with owning a home, such as keeping your home's systems and appliances maintained.
Because the home warranty market is filled with many providers — all with different offerings — the House Method team did the research for you to help you find the right home warranty in Dubuque.
The first step in protecting your property with a home warranty is determining which provider's plan is right for you. Figure out which items in your home you'd like coverage for and compare the plans. When deciding which home warranty company is the best fit for you, here are some important factors to take into account:
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 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, it can be expensive and a hassle. Luckily, with a home warranty plan, an affordable repair is just a phone call away.
When you have a problem with one of your appliances or systems, you can submit a claim with your home warranty provider. Then, a customer service representative will reach out to you about a repair technician coming over to take a look at the issue. The claim is then processed, and a homeowner will pay the service fee to schedule the repair for their home. This repair will typically occur within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees range between $60 and $150.
A home warranty plan will cover systems and appliances that have broken down from normal wear and tear. For example, if your refrigerator suddenly stops working under normal use conditions, you can call your home warranty provider. Appliances covered under a home warranty plan are typically the refrigerator, dryer, garbage disposal, microwave, dishwasher, and more. Systems that are covered usually include electrical systems, plumbing systems, water heaters, heating systems, and air conditioners. You can also opt to pay extra for add-on coverage for items like septic systems, roof warranty, swimming pools, and spas.
A Dubuque home warranty will only cover repairs and replacements due to normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, intentional breakages, and natural disasters are not covered with a Dubuque home warranty.
Since temperatures in Dubuque can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Getting a home warranty policy can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Another added benefit of having a home warranty plan is that it can raise your home's real estate 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 have your home warranty with.
One main drawback of a home warranty is not everything you care about may be covered. It's important to weigh the different policies and select one that covers all the appliances, systems, and add-ons you need. Another thing to consider is that some providers don't cover pre-existing damage and may require an inspection before your coverage can start. Ask the home warranty provider for clarification about it if you need more information or if this is a problem for you.
A home warranty can aid with some of a homeowner's maintenance concerns, but ultimately, it's up to you to determine if investing in one is a good choice for you and your family. Make sure you do your research and read through any home warranty plans that you're considering getting to understand what repairs will and will not be covered under your contract.
A home warranty can save you thousands of dollars on home repairs and offer you peace of mind as a homeowner in Dubuque. When it comes to home warranty companies in Dubuque, the best overall is Choice Home Warranty. It offers comprehensive coverage at an affordable monthly or annual cost. However, other options reviewed above also give great coverage choices for Dubuque residents.
Our pick for the best overall home warranty in Dubuque is Choice Home Warranty but the perfect company for you will vary based on factors such as what appliances and systems you need coverage for.
A home warranty is a type of service contract that provides homeowners extra coverage for their household systems and appliances. These include dryers, garbage disposals, dishwashers, refrigerators, washing machines, heating and cooling systems, sump pumps, electrical systems, plumbing, and water heaters, among others. Some companies also offer coverage for pools, garage door openers, roofs, and ceiling fans. A home warranty can help you save money if these appliances and systems fail unexpectedly.
Home buyers, real estate agents, home sellers, landlords, and homeowners are all eligible for home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save homeowners money in the long run.
The systems and appliances in a home are covered under a home warranty plan in Dubuque. Everything from a fridge to a garage door can be covered under a home warranty.
Most home warranty plans are going to cover replacement costs as well as repair costs. The coverage cap varies from one plan to the next. Your home warranty will give you some money towards a replacement but don't expect to have the entire replacement paid for.