A home warranty in Hopkinsville can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
With hot summers and cool winters, keeping your home appliances and systems working, specifically HVAC, are very important for homeowners in the Hopkinsville area of Kentucky.
Finding the best home warranties on the market can be challenging because of the sheer number of options out there. If you are tired of trying to compare the different options, keep reading for our guide on the best home warranty providers in Hopkinsville.
Determining the best company for your home warranty is the first step toward protecting your property. Options can vary, so consider the following factors when deciding on 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 stop working over time due to normal wear and tear. Having a home warranty in place can provide some peace of mind and prevent you from paying big out-of-pocket costs. Most home warranty plans start about 30 days after purchasing the home warranty plan.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty company. Most companies have an online portal system to help you do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. Once you submit the claim, it will be assigned to a local service technician that will come to your home and fix the issue. At this point, you pay the service fee. Service fees generally range in price from around $60 to $150 and this is the only out-of-pocket fee you will have to pay unless the repair cost is higher than your home warranty's coverage limit.
Home warranty plans help protect your home systems and appliances. A home warranty can cover repair and replacement-related costs that are due to normal wear . Typical appliances covered under a home warranty plan include a garbage disposal, dryer, dishwasher, microwave, refrigerator, washer, and more. The systems that are most commonly covered will be plumbing systems, air conditioners, heating systems, hot water heaters, and electrical systems. You can also optionally choose to pay extra for add-on coverage for items such as roof warranty, swimming pools, septic systems, and spas.
An important thing to note is that home warranties only protect against normal wear and tear on your home systems and appliances. Things like misuse, cosmetic damages, lack of maintenance, and pre-existing conditions are not included in the home warranty policy.
Since temperatures in Hopkinsville can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Buying a home warranty plan can help homeowners save money if one of these systems or appliances breaks suddenly.
Additionally, having a Hopkinsville home warranty can help make your house more attractive to potential home buyers should you ever decide to sell in the future. Many home warranty providers will allow you to transfer your plan to a new owner and give them the same protection you've been benefiting from.
One disadvantage of a home warranty is that there are usually exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it's important to read over any contracts you're considering thoroughly to understand what is included and what isn't. Another possible pain point of home warranties is that they don't cover items that haven't been properly maintained. This can lead to your repair requests being denied, so it's important to be sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Owning a home is a big responsibility that can be costly, but valuable. A home warranty is one thing that can help with your home maintenance budget, but whether or not it's worth it for you is something you'll have to weigh before taking the leap and getting a policy.
Hopefully, you now feel as though you can choose the proper home warranty for your Hopkinsville home. All of these top choices have impressive experience in the industry and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. It offers great and comprehensive coverage of all the essential home systems and appliances at an affordable cost with several optional add-ons.
The best overall home warranty in Hopkinsville is Choice Home Warranty but the right company for you will depend on factors such as what appliances and systems you need to have covered.
A home warranty covers the normal wear of systems and appliances in a home. Homeowners insurance protects your home in case of something like a natural disaster or fire. With homeowners insurance, you will not be able to file a claim should you need a new dryer or dishwasher, unless the damage is due to a natural disaster.
A home warranty plan will cover repair and replacement costs for home systems and appliances. Home warranties only cover damage due to normal wear and tear and often don't cover something that happened as a result of a pre-existing condition.
Home warranties will cover the cost of repairs and replacements as long as it is within the coverage cap 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.