When one of your systems or appliances stops working, 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.
With a relatively mild climate, Independence is a great place to own a home. However, homeownership doesn't always come easy, like repairing your home's systems and appliances.
Since the home warranty market has many providers — all with different offerings — our team at House Method did the research for you to help you find the right home warranty in Independence.
After looking into home warranties in Independence, your next step is to decide which company you want to receive a free quote from. Before making your final decision, here are a few additional factors to bear 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 covers home systems and appliances. When your HVAC stops working and the repair is several hundred dollars, a home warranty will ensure that you're only responsible for a predetermined service fee. Home warranty coverage typically starts without an inspection and generally goes into place about thirty days after making your first payment.
Filing a claim with your home warranty company is quite straightforward. There will be either an online portal or a direct phone number to file your claim with your home warranty company. At this point, you will pay the service fee, which is typically between $60 and $150 depending on what plan you opt for. After the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. As long as the repair is covered by the warranty and it's within the coverage cap, most homeowners will not have to pay any other out-of-pocket costs .
A home warranty in Independence usually covers the main systems and appliances in your house. The appliances covered are a clothes washer, dishwasher, stove, refrigerator, cooktop, microwave, clothes dryer, and more. The systems included are the electrical, water heater, heating system, air conditioner, plumbing, and more. Add-on coverage will vary from one plan to another, but you can expect to see add-ons like sump pumps, spas, electronics, roof leaks, central vacuums, and pools.
A home warranty will only protect against normal wear and tear on your home systems and appliances. Things such as misuse, cosmetic damages, pre-existing conditions, and lack of maintenance are not included in the home warranty policy.
Independence is known for its mild winters and hot summers, and if you live in Independence, you know that the weather can be unpredictable. During the summer months, your air conditioner can be strained in its effort to combat the heat. In the event that your air conditioner did break down, a home warranty can cover the repairs and help lower your out-of-pocket expenses.
Plus, having an Independence home warranty can make your house more attractive to potential home buyers if you ever decide to sell later. Many home warranty companies will allow you to transfer your plan to a new owner and give them the same protection you've been getting.
There are also some negatives to getting a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty. Another potential pain point of home warranties is that they don't cover systems or appliances that haven't been properly maintained. This can lead to your claims being rejected, so it's important to make sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
A home warranty can help ease some of a homeowner's maintenance headaches, but ultimately, it's up to you to determine if investing in one is the right choice for you and your family. Make sure you do your research and read over any home warranty plans that you're seriously considering purchasing to get a handle on what repairs will and will not be covered under your contract.
A home warranty can save you several thousands of dollars on home maintenance and offer you peace of mind as a homeowner. Choice Home Warranty stands out as the best overall company. It offers great coverage at an affordable monthly or annual cost. However, other companies mentioned above are also great choices for Independence residents.
The top home warranty company in Independence is Choice Home Warranty. Choice Home Warranty an expansive network of professional technicians and a tremendous reputation in the Independence area.
A home warranty helps protect against the normal wear of systems and appliances in a home. Homeowners insurance protects the entire home in case of something like a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim should you need a new refrigerator or stove, unless the damage is due to a natural disaster.
A home warranty policy covers repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and often don't cover pre-existing conditions.
The service fee is the price homeowner pay every time there's an issue with a system or appliance. The service fees are commonly priced between $60 and $150.