A home warranty is a way to protect your savings from unexpected large expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
There are many benefits of homeownership in Marshalltown. However, major home systems and appliances, like your plumbing and kitchen appliances, can break down due to normal wear and tear, leaving you with pricey repairs.
Since the home warranty market is saturated with a variety of providers — all with different price points — our team at House Method decided to do the research for you to help you find the best home warranty in Marshalltown.
Deciding on the best home warranty in Marshalltown for your family depends on the coverage you're looking for, the home warranty company you opt for, and where you live, among other factors. When figuring out which home warranty provider is the right 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 service contract that covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having a home warranty in place can offer you some peace of mind and protect your bank account from large out-of-pocket costs. Most home warranty plans start about 30 days after paying for the home warranty.
When you have a system or appliance that has a problem, you file a claim with your home warranty provider. You can do so online or by calling them, and then a technician will come and fix the problem. Once you submit the claim, it will be assigned to a local service technician that will come to your home and repair the issue. At this point, you pay your service fee. Service fees usually range in price from about $60 to $150 and this is the only out-of-pocket expense you will need to pay unless the repair cost is more than your home warranty's coverage cap.
A home warranty plan will cover systems and appliances that have stopped working from normal wear and tear. For example, if your A.C. suddenly needs repairs under normal use conditions, you can call your home warranty company. The appliances include a clothes washer, stove, refrigerator, microwave, clothes dryer, dishwasher, cooktop, and more. The systems included are the electrical, air conditioner, plumbing, water heater, heating system, and more. Add-on options can vary by provider but commonly include things such as a central vacuum, second refrigerator, sprinkler system, plumbing stoppages, and septic system.
Marshalltown homeowners should understand that a home warranty 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, misuse of a system or appliance, or natural disasters. You have to keep up with preventative maintenance on your home systems and appliances to make sure that your next repair or replacement-related problem will be covered by the policy.
Since temperatures in Marshalltown can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty plan can help homeowners save money if one of these systems or appliances stops working all of a sudden.
Not only does a home warranty give you some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a technician and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most.
There are also some negatives to buying a home warranty plan, like the coverage exclusions. For example, home warranties may not cover systems or appliances that already have a manufacturer's warranty. Another thing to take into consideration is that some providers don't cover pre-existing problems and may require an inspection before coverage begins. Ask the home warranty provider for clarification about this if you aren't sure or if this is a problem for you.
Whether or not a home warranty is worth it ultimately comes down to your personal preference. Similar to any other type of insurance policy or warranty, its purpose is to offer you some peace of mind, so you will have to be the judge of how much that is worth to you.
A home warranty can save you a decent amount of money on home maintenance and offer you peace of mind as a homeowner. All of these top home warranty companies have impressive histories and backgrounds and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. It offers great coverage at an affordable cost. However, other options mentioned above are also great choices for Marshalltown residents.
Our pick for the best overall home warranty company in Marshalltown is Choice Home Warranty but the best company for you will depend on factors like what appliances and systems you need coverage for.
Home warranty policies cover issues with systems and appliances that need repairs or replacements due to normal wear and tear. The homeowner's insurance policy is a larger insurance that protects the entire home from natural disasters and fires. It doesn't cover typical appliance or system breakage.
Usually coverage for a home warranty begins 30 days on the day the sale closes. However, a few companies may allow you to make a service request before this, so check with customer service to find the exact waiting period for your case.
A service fee is a cost that you pay before a repair technician or contractor comes to your home to fix your home warranty-related issue. The pricing is typically between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty except for the policy's premium.
Homeownership can be costly. When a system or appliance breaks down, it can leave homeowners unexpectedly having to come up with the money to fix it. With a home warranty policy, you won't have any large hits to your savings account .