A home warranty can give 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.
With the weather patterns common in Urbandale, homes can experience quite a bit of wear and tear in the long run. There's nothing worse than having your heater go out in the middle of winter.
Even though a home warranty can help with your homeowner concerns, one pain point is narrowing down the best choice for your Urbandale home. That's why we've done the research and have compiled a list of the top home warranty options in Urbandale.
Determining the right company for your home warranty is the first step toward protecting your property. When trying to figure out which home warranty provider is the right one 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 protection plan for home systems and appliances. When your HVAC stops working and the repair costs several hundred dollars, a home warranty will ensure that your only responsibility is a predetermined service fee. Home warranty coverage typically starts without an inspection and you can generally start using it about thirty days after making your first payment.
When you notice a problem with one of your appliances or systems, you can submit a claim with your home warranty company. Then, a customer service representative will contact you about a contractor coming over to look at the issue. At this point, you will also pay your service fee. Once the repair person fixes the problem, they will handle it at no cost to you. The only time an Urbandale homeowner may have to pay out-of-pocket costs is if the repair or replacement is more than the item's coverage cap.
A home warranty will cover systems and appliances that have stopped working from normal wear and tear. For instance, if your A.C. suddenly needs repairs under normal use conditions, this is a perfect time to call your home warranty provider. The appliances typically covered under a home warranty include dishwasher, garbage disposal, microwave, clothes washer, refrigerator, clothes dryer, and more. The systems usually included are air conditioners, ductwork, hot water heaters, plumbing systems, and electrical systems. The add-on coverage options can include septic system, spa, roof leak, pool, and sometimes even things like locksmith or pest control.
An important thing to note is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things such as lack of maintenance, cosmetic damages, pre-existing conditions, and misuse are not included in the home warranty policy.
Urbandale is known for its cold winters, and if you live in Urbandale, you know that the weather can be unpredictable. During the winter months, your heating system can be overworked in its effort to combat the cold. If your heater did break down, a home warranty can cover repairs and help decrease your out-of-pocket expenses.
Another added benefit of having home warranty coverage is that it can raise your home's property 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.
One disadvantage of a home warranty is that there are generally exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it's important to read over any contracts you're considering thoroughly to get a sense of what is included and what isn't. In addition, if you don't maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty can help ease some of a homeowner's maintenance concerns, but ultimately, it's up to you to decide whether or not investing in one is the right choice for you and your family. Be sure to do your research and read over any home warranty policy that you're considering purchasing to get a sense of what repairs will and will not be covered under your contract.
Hopefully, this review of Urbandale's best home warranty providers has helped you narrow down your choices and decide on a plan. Choice Home Warranty stands out as the best overall provider. It offers great and comprehensive coverage of all the essential home systems and appliances at an affordable cost with several optional add-ons.
The top home warranty provider in Urbandale is Choice Home Warranty. Choice Home Warranty an expansive network of experienced technicians and a tremendous reputation in the Urbandale area.
A home warranty plan helps protect against the normal wear and tear of home systems and appliances. A homeowners insurance plan protects your home in a situation such as a natural disaster or fire. Under homeowners insurance, you will not be able to file a claim if you need a new dryer or air conditioner, unless the damage is a result of a natural disaster.
The systems and appliances in a home are covered under a home warranty plan in Urbandale. Everything from a stove to a washer can be covered under a home warranty.
The service fee is the price homeowner pay each time there is a problem with a home system or appliance. The service fees are usually between $60 and $150.