A home warranty can bring you the peace of mind you need about your home and guard your bank account from large expenses by covering your home's major systems and appliances.
As much as you may love homeownership in Erlanger, there is always that fear about whether or not your systems and appliances are going to need to be replaced over the next few years.
Choosing the best home warranties on the market can be challenging because of the many options out there. If you are tired of trying to compare the different options, keep reading for our guide on the top home warranty companies in Erlanger.
Selecting the best provider for your home warranty is the first step toward protecting your home. Below is a list of factors that you'll want to take into account when choosing a home warranty provider:
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 malfunction over time due to normal wear and tear. Having one in place can offer you some peace of mind and guard your savings account from unexpected out-of-pocket costs. Most home warranty plans take effect about 30 days after purchasing the home warranty.
When you have a problem with one of your appliances or systems, you can file a claim with your home warranty provider. Then, a customer service representative will reach out to you about a contractor coming over to look at the issue. Once you file the claim, it will be assigned to a local repair 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 around $60 to $150 and this is the only out-of-pocket cost you will need to pay unless the repair cost is higher than your home warranty's coverage limit.
A home warranty plan will cover systems and appliances that have stopped working due to normal wear and tear. For example, if your dishwasher suddenly needs repairs under normal use conditions, you can call your home warranty provider. Typical appliances covered by a home warranty plan include a refrigerator, microwave, dishwasher, garbage disposal, dryer, washer, and more. The systems that are most commonly covered will be heating systems, electrical systems, air conditioners, hot water heaters, and plumbing systems. You can also optionally decide to pay extra for add-on coverage for items like swimming pools, septic systems, roof warranty, and spas.
Erlanger homeowners should know that a home warranty plan will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like natural disasters, misuse of a system or appliance, pre-existing conditions, or cosmetic issues. You need 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.
Erlanger's mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can help cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the needed repairs, preventing you from spending unexpected money out of pocket.
Not only can 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 repair person and schedule a repair. A home warranty handles this process by sending trusted professionals to your door when you need them most.
Home warranties also have some downsides. Although it can give you less to worry about since the home warranty sends out a repair technician who does the repair for you, some may not like this, and they would rather select their own contractor. If that's important to you, some home warranty plans allow you to select a contractor. Another stipulation is that home warranties typically only cover damage from normal wear and tear. They most likely won't cover systems or appliances that have been damaged due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty can help ease some of a homeowner's maintenance worries, but ultimately, it's up to you to decide if investing in one is a good move for you and your family. Make sure you do your research and read over any home warranty contracts that you're considering buying to understand what repairs will and will not be covered under your contract.
A home warranty in Erlanger can save you a lot of money and offer you peace of mind when it comes to costly home repairs and replacements. Choice Home Warranty is the best overall home warranty company in Erlanger. It offers great coverage of all the essential home appliances and systems at an affordable cost with several optional add-ons.
The best home warranty provider in Erlanger is Choice Home Warranty. Choice Home Warranty an expansive network of experienced contractors and a great reputation in the Erlanger area.
A home warranty is a kind of service contract that gives homeowners extra coverage for their household systems and appliances. These include garbage disposals, dryers, washing machines, dishwashers, refrigerators, sump pumps, electrical systems, plumbing, heating and cooling systems, and water heaters, among others. Some policies also provide coverage for pools, roofs, garage door openers, and ceiling fans. A home warranty can help you save money if these appliances and systems fail unexpectedly.
A home warranty plan can help homebuyers, homeowners, real estate agents, home sellers, and investors. It can offer peace of mind and savings to anyone that is involved with homeownership.
Most home warranty policies have a 30-day waiting period before you can file claims, but some may offer coverage sooner so be sure to check with the company about this.
Home warranties cover the cost of repairs and replacements as long as it is within the coverage limits 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.
A service fee is a cost that you pay before a service technician or contractor comes to your home to repair your home warranty-related problem. 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.