A home warranty can give you the peace of mind you need about your home and shield your bank account from large expenses by covering your home's major systems and appliances.
There are many great things abouts owning a home in Salem. However, major home systems and appliances, like your electrical systems and washer and dryer, can break down due to normal wear and tear, leaving you with pricey repairs.
Even though a home warranty can help with your homeowner expenses, one pain point is narrowing down the right choice for your Salem home. That's why we've done the research and have compiled a list of the top home warranty plans in Salem.
The first step in protecting your home with a home warranty is determining which company's plan fits your needs. Figure out which items in your home you'd like coverage for and compare the policies. Before making your final decision, here are a few other factors to bear 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 plan that can help homeowners save money on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Salem home comfortable and convenient. When they start to break down, it can be costly and a pain. Luckily, with a home warranty plan, an affordable repair is just a phone call away.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty provider. Most companies have an online portal where you can do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. At this point, you will pay the service fee, which is generally between $60 and $150 depending on what plan you have. After the service fee is paid, a repair person 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 any other out-of-pocket costs apart from the service fee.
A home warranty in Salem usually covers the main systems and appliances in your house. The appliances covered include a stove, microwave, clothes dryer, cooktop, refrigerator, dishwasher, clothes washer, and more. The systems included are the heating system, electrical, water heater, air conditioner, plumbing, and more. Add-on options can vary from one plan to another but often include things like a second refrigerator, septic system, central vacuum, sprinkler system, and plumbing stoppages.
An important thing to consider is that home warranties only cover normal wear and tear on your home systems and appliances. Things such as pre-existing conditions, misuse, lack of maintenance, and cosmetic damages are excluded from the home warranty policy.
Since temperatures in Salem can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Getting a home warranty can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
A home warranty also can also save you time and energy. Instead of spending hours finding and choosing a technician to fix your appliance or system, home warranty providers do the hard work for you and just send a trusted professional to your door whenever you need them.
One of the main drawbacks of a home warranty is not everything may be covered. It's important to weigh the different policies and purchase one that covers all the appliances, systems, and add-ons you need. Another potential pain point of home warranties is that they don't cover systems or appliances that have been improperly maintained. This can lead to your claims being rejected, so it's important to be sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
A home warranty can help with some of a homeowner's maintenance worries, but ultimately, it's up to you to decide whether or not investing in one is a good choice for you and your family. Make sure you do your research and read over any home warranty contracts that you're seriously considering getting to get a sense of what repairs will and will not be covered under your contract.
Hopefully, you now feel like you can select the best home warranty for your Salem home. 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. Choice Home Warranty offers comprehensive coverage at an affordable price.
The best home warranty provider in Salem is Choice Home Warranty. Choice Home Warranty an expansive network of experienced contractors and a respected reputation in the Salem area.
A home warranty covers the normal wear of home systems and appliances. Homeowners insurance protects a home in a situation like a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim should you need a new dryer or stove, unless the damage is a result of a natural disaster.
Usually coverage for a home warranty policy begins 30 days on the day the sale closes. However, a few providers may allow you to file a claim before this, so verify with customer service to find the exact waiting period for your situation.
Most home warranties are going to cover replacement costs in addition to repair costs. How much the home warranty will cover varies from one plan to the next. You can expect that home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.