A Independence home warranty policy can help protect homeowners by cutting the costs of major repairs and replacements on your home's appliances and systems.
Homeownership in Independence comes with quite a few positives, but it also does not come without its challenges. Your home's appliances and systems will inevitably need repair and this could mean a huge expense hitting your bank account suddenly.
Since the home warranty market has many providers — all with different coverage — the House Method team decided to do the research for you to help you find the best home warranty in Independence.
Picking the best home warranty in Independence for you and your family comes down to the kind of coverage you're looking for, the home warranty company you opt for, and your location, among other factors. Below are some tips on looking for a home warranty in Independence:
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 break 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 exorbitant out-of-pocket costs. Most home warranty plans start about 30 days after buying the home warranty plan.
When one of your systems or appliances experiences a problem, you file a claim with your service provider. You can do so in an online portal or by telephone, and then a technician will come and fix the problem. At this point, you will pay your service fee, which is usually between $60 and $150 depending on what plan you select. After the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. As long as the repair is covered under the warranty and the coverage cap is not reached, most homeowners will not have to pay any other out-of-pocket costs after the service fee is paid.
A home warranty provides coverage on your home's major appliances and systems and it can help bring down how much you spend on maintaining your home. The appliances include a clothes washer, refrigerator, dishwasher, clothes dryer, stove, cooktop, microwave, and more. The systems included are the water heater, plumbing, heating system, air conditioner, electrical, and more. The add-on coverages can include roof leak, spa, pool, septic system, and sometimes even things like locksmith or pest control.
A home warranty will only protect against normal wear and tear that occurs on your home systems and appliances. Things like cosmetic damages, misuse, pre-existing conditions, and lack of maintenance are not included in the home warranty policy.
Independence's cold winters 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 in the event 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, saving you from spending unexpected money out of pocket.
A home warranty can also give value in other ways. For instance, some plans can be transferred to another owner when you sell your home.
One major drawback of a home warranty is not every home system and appliance may be covered. It's important to research the different policies and choose one that covers all the appliances, systems, and add-ons you need. Another consideration is that home warranties usually only cover repairs needed due to normal wear and tear. They most likely won't cover systems or appliances that have need repairs or replacements due to improper maintenance, animal infestations, natural disasters, etc.
Whether or not a home warranty is worth it ultimately comes down to your personal situation. Like any other kind of insurance policy or warranty, its purpose is to offer you a sense of protection, so you will have to decide how much that is worth to you.
Hopefully, this review of Independence's top home warranty providers has helped you narrow down your choices and find the right plan for you. Choice Home Warranty is the best overall home warranty provider in Independence. Choice Home Warranty provides home warranties with comprehensive coverage at an affordable price.
The best home warranty company in Independence is Choice Home Warranty. Choice Home Warranty an expansive network of experienced technicians and a great reputation in the Independence area.
Home warranty plans cover issues related to home systems and appliances that need to be repaired or replaced 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 typical appliance or system damage.
Typically coverage for a home warranty plan begins 30 days after payment. However, a few companies may let you file a claim before this, so check with customer service to find the exact waiting period for your case.
A home warranty policy covers 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 cover the cost of repairs and replacements if 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.