A home warranty is a way to protect your savings account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be remarkably lower and give you some peace of mind.
With hot summers and cool winters, working home appliances and systems, specifically HVAC, are extremely important for homeowners in the Independence area of Kentucky.
Finding the best home warranty on the market can be quite difficult because there are so many companies to choose from. That's why our team at House Method did the research and made a list of the best home warranty companies in Independence for you.
After reviewing the basics of home warranties in Independence, the next step is to decide which company you'd like to get a free quote from. Here is a list of some factors to consider when purchasing a home warranty in Independence:
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 will cost 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 purchasing the 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 issue. At this point, you will pay the service fee, which is generally between $60 and $150 depending on what plan you opt for. After the service fee is paid, a repair person will come to your home, assess the issue, and repair it. 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 apart from the service fee.
A home warranty plan will cover systems and appliances from normal wear . Typical appliances covered by a home warranty include a refrigerator, washer, dryer, microwave, garbage disposal, dishwasher, and more. The systems that are most commonly covered will be air conditioners, heating systems, hot water heaters, electrical systems, and plumbing systems. You can also opt to pay a bit extra for add-on coverage for items like septic systems, spas, swimming pools, and roof warranty.
An important thing to consider is that home warranties only cover normal wear and tear on your home systems and appliances. Things such as cosmetic damages, misuse, lack of maintenance, and pre-existing conditions 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 repairs and help bring down your out-of-pocket expenses.
Another added benefit of having a home warranty policy is that it can increase your home's real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new home buyers depending on the provider you purchased your home warranty through.
There are also some downsides to getting a home warranty policy, like the coverage exclusions. For example, home warranties may not cover home systems or appliances that are already covered under a manufacturer's warranty. Another consideration is that home warranties usually only cover damage from normal wear and tear. They commonly won't cover systems or appliances that have need repairs or replacements due to improper maintenance, natural disasters, animal infestations, etc.
A home warranty can help with some of a homeowner's maintenance troubles, but in the end, it's up to you to determine whether or not investing in one is the right choice for you and your family. Be sure to do your research and read through any home warranty contracts that you're considering getting to get a handle on what repairs will and will not be covered under your contract.
A home warranty in Independence can save you thousands of dollars and give you peace of mind when it comes to expensive home repairs and replacements. Choice Home Warranty is the best overall home warranty company in Independence. With its comprehensive plans, affordable pricing, and a good reputation in the industry, Choice Home Warranty has a lot to offer.
The top home warranty provider in Independence is Choice Home Warranty. Choice Home Warranty an expansive network of experienced service technicians and a great reputation in the Independence area.
Home warranty plans cover issues related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a different kind of plan that protects one's entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system damage.
The systems and appliances in a home are covered under a home warranty in Independence. Everything from a stove to a pool can be covered under a home warranty.
A Independence home warranty can cost between $40 and $80 a month. The higher-priced plans tend to have higher coverage limits, a lower service fee, and more coverage.
Homeownership can be expensive. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty in place, you will not have any large hits to your savings account for home maintenance.