When one of your systems or appliances breaks down, a home warranty will step in to help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less overwhelmed by homeownership.
Homeownership in Fort Thomas comes with lots of perks, but it also does not come without worry and concern. Your home's appliances and systems will eventually need repair and this could mean a huge expense hitting your bank account suddenly.
Finding the best home warranty on the market can be quite overwhelming since there are lots of companies to decide between. That's why our team at House Method did the research and compiled a list of the best home warranty companies in Fort Thomas for you.
Selecting the right home warranty in Fort Thomas for you comes down to the coverage you're looking for, the home warranty provider you opt for, and your location, among other factors. Before deciding which home warranty to buy, here are a few other 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 protection plan that cuts back on the cost of repairs when one of your home systems or appliances experiences a complication. A home warranty can help homeowners who need to stick to their budget and don't want to use their savings to pay for large repair or replacement expenses. Typically about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty company. Most companies have an online portal to help you 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. The claim is then processed, and a homeowner will pay a predetermined service fee to schedule the repair . This repair will generally happen within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees are between $60 and $150.
A home warranty will cover systems and appliances from normal wear . The appliances typically covered under a home warranty include refrigerator, clothes washer, microwave, clothes dryer, dishwasher, garbage disposal, and more. The systems usually included are electrical systems, plumbing systems, ductwork, air conditioners, and hot water heaters. You can also optionally opt to pay extra for add-on coverage for items such as spas, swimming pools, roof warranty, and septic systems.
Fort Thomas homeowners should know that a home warranty policy will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. You must keep up with preventative maintenance on your home systems and appliances to be sure that your next repair or replacement-related issue will be covered by the policy.
Fort Thomas' 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 if 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 necessary repairs, saving you from spending unexpected money out of pocket.
On top of saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the pain of trying to find a qualified technician to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair problems you may come across.
There are also some downsides to purchasing a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that are already covered under a manufacturer's warranty. Another drawback is that home warranties may exclude some repairs, such as those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the systems and appliances that were impacted most likely won't be covered by the home warranty.
Whether or not a home warranty is worth it ultimately comes down to your personal situation. Similar to any other sort of insurance policy or warranty, it's there to provide you a sense of protection, so you will have to decide how much that is worth to you.
Hopefully, you now feel confident that you can choose a home warranty in Fort Thomas after going through our reviews. The best provider in Fort Thomas is Choice Home Warranty. Its comprehensive coverage, affordable pricing, and ease of use make it a great home warranty for Fort Thomas homeowners.
Our pick for the best overall home warranty company in Fort Thomas is Choice Home Warranty but the right company for you will vary based on factors like what appliances and systems you need coverage for.
A home warranty is a service contract that covers repairing and replacing major home systems and appliances.
Home buyers, real estate agents, landlords, homeowners, and home sellers can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save homeowners money in the long run.
Usually coverage for a home warranty plan begins 30 days on the day the sale closes. However, a few companies may let you make a service request before this, so check with customer service to find the exact waiting period for your case.
Most home warranties are going to cover replacement costs in addition to repair costs. The coverage cap 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.
A service fee is a cost that a homeowner must pay before a service technician or contractor comes to your home to repair your home warranty-related issue. Prices typically range between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty in place except for the monthly premium/annual cost.