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 considerably lower and allow you to live in your home with more peace of mind.
With hot summers and cool winters, keeping your home appliances and systems working, especially HVAC, are very important for homeowners in the Owensboro area of Kentucky.
Choosing the best home warranties on the market can be a challenge because of the many options out there. If you are tired of trying to compare the different options, keep reading for our guide on the best home warranty companies in Owensboro.
Selecting the best company for your home warranty is a step you could take to protect your home. Before deciding which home warranty to purchase, here are a few other factors to keep 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 home protection plan that can help homeowners save money on appliance and system repairs and replacements. Working appliances and home systems are what make living in an Owensboro home comfortable and convenient. When these things start to break down, it can be pricey and a headache. Luckily, with a home warranty in place, an affordable repair is just a phone call away.
When you notice an issue with one of your appliances or systems, you can submit a claim with your home warranty company. Then, a customer service representative will reach out to you about a repair technician coming over to look at the issue. The claim is then processed, and a homeowner will pay the service fee to schedule the repair for their home. This repair will typically occur within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees are between $60 and $150.
A home warranty in Owensboro typically covers the main systems and appliances in your home. Typical appliances covered by a home warranty plan include a dryer, garbage disposal, dishwasher, washer, refrigerator, microwave, and more. The systems that are most commonly covered will be plumbing systems, hot water heaters, air conditioners, electrical systems, and heating systems. The add-on coverages can include roof leak, spa, pool, septic system, and sometimes even things like locksmith or pest control.
Owensboro homeowners should understand that a home warranty will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. You need to keep up with preventative maintenance on your home systems and appliances to be sure that your next repair or replacement-related issue will be covered by the policy.
Owensboro's mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can help cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the repairs, preventing you from spending a lot of money out of pocket.
Plus, though it varies by company, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your home more attractive to potential home buyers and maybe even make your home sell faster.
One downside 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 included in the home warranty, so it's important to read over any contracts you're considering thoroughly to get a sense of what is included and what isn't. Another thing to consider is that some companies don't cover pre-existing conditions and may require an inspection before your coverage can start. Ask the home warranty provider for clarification about it if you need more information or if this is an issue for you.
Owning a home is a big responsibility that can be expensive, but rewarding. 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 determine before taking the leap and getting a policy.
A home warranty in Owensboro can save you lots of money and give you peace of mind when it comes to expensive home repairs and replacements. All of these top providers have impressive experience in the industry and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. Choice Home Warranty provides home warranties with comprehensive coverage at an affordable cost.
The best home warranty company in Owensboro is Choice Home Warranty. Choice Home Warranty an expansive network of professional contractors and a tremendous reputation in the Owensboro area.
Usually coverage for a home warranty plan begins 30 days after the payment receipt. However, a few companies may let you make a service request before this, so check with customer service to find the exact waiting period for your situation.
A home warranty policy will cover repair and replacement costs for systems and appliances in a home. Home warranties will not cover the intentional breaking of an appliance or pre-existing conditions.
A service fee is a cost that must be paid before a service technician or contractor comes to your home to fix your home warranty-related problem. Prices typically range between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket cost that homeowners have with a home warranty in place except for the monthly premium/annual cost.