A home warranty is a way to protect your savings from unexpected large expenses. With a home warranty in place, your repair costs can be remarkably lower and give you some peace of mind.
With a relatively mild climate, Georgetown is a great place to own a home. However, homeownership comes with its difficulties, like repairing your home's systems and appliances.
Even though a home warranty can help with your homeowner concerns, one issue is narrowing down the right choice for your Georgetown home. That's why we've done the research and have put together a guide of the top home warranty options in Georgetown.
Selecting the right home warranty in Georgetown for you and your family comes down to the coverage you want, the home warranty provider you opt for, and where you live, among other factors. Below is a list of factors that you'll want to be mindful of when selecting 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 service contract 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 a home warranty in place can offer you some peace of mind and prevent you from paying big out-of-pocket costs. Most home warranty plans take effect about 30 days after purchasing the home warranty policy.
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 contact you about a contractor coming over to take a look at the problem. Once you file the claim, it will be assigned to a local technician that will come to your home and look at the issue. At this point, you pay your service fee. Service fees typically range in price from around $60 to $150 and this is the only out-of-pocket expense you will need to pay unless the repair cost is higher than your home warranty's coverage cap.
A home warranty in Georgetown typically covers the main systems and appliances in your home. Appliances covered under a home warranty plan are typically the refrigerator, garbage disposal, dishwasher, microwave, dryer, and more. Systems that are covered usually include water heaters, air conditioners, plumbing systems, heating systems, and electrical systems. Many home warranty plans also provide add-on coverage options like locksmith, septic systems, roof leaks, and even central vacuum.
A Georgetown home warranty will only cover repairs and replacements due to normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, natural disasters, intentional breakages, and pre-existing conditions are not covered with a Georgetown home warranty.
Home warranties are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Georgetown reaching upward of 63 degrees in the summer, you may find that certain appliances, like your air conditioning unit, get a lot of use. A home warranty can remarkably decrease your out-of-pocket expenses should your HVAC system break down.
Additionally, having a home warranty can save you some time by removing the need to research technicians--most companies will send a trusted professional right to your door to carry out the necessary repair or replacement.
One drawback of purchasing a home warranty is that there are generally exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it's important to read through any contracts you're considering thoroughly to get a sense of what is included and what isn't. Another drawback is that home warranties may exclude some repairs, such as those due to natural disasters. For example, if your house floods, the systems and appliances that were affected most likely won't be covered by the home warranty.
It can be hard to budget for the unexpected expenses that can come with homeownership, but a home warranty can help you with that. Similar to any other warranty or insurance policy, there will always be advantages and disadvantages of getting one but its main purpose is to offer you protection and peace of mind.
Hopefully, you now feel positive that you can choose a home warranty company in Georgetown after reading our reviews. The best provider in Georgetown is Choice Home Warranty. With its comprehensive coverage, fair pricing, and a good history in the industry, Choice Home Warranty has a lot to offer.
Our pick for the best overall home warranty company in Georgetown is Choice Home Warranty but the best company for you will depend on factors such as what appliances and systems you need coverage for.
A home warranty is a service contract that covers the repairs and replacements of major home systems and appliances.
Home buyers, landlords, home sellers, real estate agents, and homeowners can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save homeowners money in the long run.
Typically coverage for a home warranty policy begins 30 days after the payment receipt. However, a few companies may allow you to file a claim before this, so check with customer service to find the exact waiting period for your case.
Home warranties will cover the cost of repairs and replacements as long as it is within the policy limits of the plan. If the replacement costs more than the home warranty covers, you will have to pay for the rest out of pocket.
A home warranty plan can cost on average anywhere from about $300 to $800 a year in Georgetown. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. It's important to compare plans to determine what you're really getting for the price.