A home warranty can offer you the peace of mind you need about your home and safeguard your savings account from large expenses by covering your home's major systems and appliances.
Homeownership in Urbandale can be a satisfying step for many people, but it also comes with its fair share of headaches. Home repairs can be an unforeseen financial burden for many homeowners.
Since the home warranty market is filled with a lot of providers — all with different price points — the House Method team did the research for you to help you find the best home warranty in Urbandale.
After looking into the basics of home warranties in Urbandale, your next step is to determine which company you want to get a free quote from. When deciding which home warranty company 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 money savings plan that helps homeowners account for the high costs of appliance and systems repairs. Home warranties will provide coverage for a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. Having a home warranty in place can make it easier to budget and manage your finances. Home warranty plans typically have a thirty-day waiting period from the time you purchase to the time you can start using it.
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 also need to pay your service fee. Once the repair person fixes the problem, they will handle it at no cost to you. The only time a Urbandale homeowner may have out-of-pocket costs is if the repair or replacement is over the item's coverage cap.
A home warranty plan will cover systems and appliances that have broken down from normal wear and tear. For instance, if your washing machine suddenly stops working under normal use conditions, this is a perfect time to call your home warranty provider. The appliances typically covered under a home warranty plan include microwave, clothes washer, dishwasher, clothes dryer, garbage disposal, refrigerator, and more. The systems usually included are air conditioners, electrical systems, ductwork, hot water heaters, and plumbing systems. You can also optionally choose to pay a bit extra for add-on coverage for items such as roof warranty, swimming pools, septic systems, and spas.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and maintain them properly, the home warranty will not cover it. Things such as misuse, lack of maintenance, pre-existing conditions, and cosmetic damages are not covered by a home warranty policy.
Urbandale's cold winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty is designed to 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, saving you from spending unexpected money out of pocket.
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 purchased your home warranty through.
As for the downsides of home warranties, coverage varies by company so it's important to review what each policy covers and doesn't include in the contract. Also, if you don't maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
Whether or not a home warranty is worth it comes down to your personal situation. Like any other type of insurance policy or warranty, it's there to give you some peace of mind, so you will have to be the judge of how much that is worth to you.
A home warranty in Urbandale can save you a lot of money and give you peace of mind when it comes to pricey home repairs and replacements. The best provider in Urbandale is Choice Home Warranty. With its comprehensive plans, affordable cost, and a good history in the industry, Choice Home Warranty has a lot to offer.
Our pick for the best overall home warranty provider in Urbandale is Choice Home Warranty but the best company for you will vary based on factors such as what appliances and systems you need to have covered.
Home warranty policies cover issues related to systems and appliances that need repairs or replacements due to normal wear and tear. The homeowner's insurance policy is a different insurance that protects your entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system damage.
The systems and appliances in a home are covered under a home warranty in Urbandale. Everything from a fridge to a swimming pool can be covered under a home warranty.
Most home warranty plans are going to cover replacement costs as well as repair costs. How much the home warranty will cover 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.
Many homeowners find a home warranty is worth the money since it can help protect against unexpected expenses. If you're worried about your budget and your ability to keep your home in good working order, a home warranty can help. One of the major pluses of a home warranty is that it can offer you some financial peace of mind.