A home warranty is a way to protect your budget from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
With a relatively mild climate, Frankfort is a great place to own a home. However, homeownership comes with its difficulties, like repairing and replacing your home's systems and appliances.
Since the home warranty market is saturated with many providers — all with different price points — the House Method team did the research for you to help you find the right home warranty in Frankfort.
The first step in protecting your house with a home warranty is determining which company's plan fits your needs. Consider the items in your home you want coverage for and compare the policies. Below is a list of some tips on buying a home warranty in Frankfort:
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 breaks down. A home warranty can help homeowners who need to stick to their budget and don't have the 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.
For Frankfort homeowners, when an issue happens with a covered appliance or system, it is very easy to file a claim. Most home warranty companies have an online portal where a claim can be submitted. Once you submit the claim, it will be assigned to a local service technician that will come to your home and repair the problem. At this point, you pay your service fee. Service fees generally range in price from about $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 in Frankfort usually covers the main systems and appliances in your house. Appliances covered under a home warranty plan are usually the refrigerator, garbage disposal, dryer, microwave, dishwasher, and more. Systems that are covered usually include plumbing systems, heating systems, water heaters, electrical systems, and air conditioners. Add-on coverage will vary from one plan to another, but you can expect to see add-ons like electronics, pools, central vacuums, sump pumps, roof leaks, and spas.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your home and maintain them properly, the home warranty will not cover it. Things like cosmetic damages, pre-existing conditions, lack of maintenance, and misuse are not covered by a home warranty policy.
Since temperatures in Frankfort can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Purchasing a home warranty can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Another good thing about having a home warranty if you want to sell your home is that you can probably transfer your home warranty to the new owners. This can make your house more attractive to potential home buyers and may help your house sell faster.
As for the negatives of home warranties, home system and appliance coverage varies by provider so it's important to review what each policy covers and excludes in the contract. Another thing to consider is that some companies don't cover pre-existing problems and may require an inspection before coverage begins. Ask the home warranty provider for clarification about these things if you aren't sure or if this is an issue for you.
It can be challenging to budget for the unexpected expenses that can come with homeownership, but a home warranty can help with that. As with any sort of warranty or insurance policy, there will always be pros and cons of getting one but its main purpose is to provide protection and peace of mind.
A home warranty in Frankfort can save you lots of money and offer you peace of mind when it comes to pricey home repairs and replacements. Choice Home Warranty is the best overall home warranty company in Frankfort. With its comprehensive coverage, fair pricing, and a good history in the industry, Choice Home Warranty has a lot to offer.
The best overall home warranty in Frankfort is Choice Home Warranty but the perfect company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty protects against the normal wear and tear of systems and appliances in a home. A homeowners insurance plan protects a home in case of something such as a natural disaster or fire. With a homeowners insurance plan, you won't be able to file a claim if you need a new refrigerator or stove, unless the damage is a result of a natural disaster.
Home buyers, landlords, real estate agents, home sellers, and homeowners are all eligible for home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save homeowners money in the long run.
Home warranties cover the cost of repairs and replacements if it is within the coverage limits of the plan. If the replacement will cost more than the home warranty plan covers, you will have to pay the rest out of pocket.
Homeownership can be costly. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty plan, you won't have any large hits to your savings account for home maintenance.