A Lafayette home warranty can help protect homeowners by covering major repairs and replacements on your home's appliances and systems.
Lafayette gives homeowners some great living options and the opportunity to enjoy the sun all year round. However, those extreme temperatures can do quite a bit of damage to your home's systems.
Finding the best home warranty plan for your Lafayette home can be difficult, so our team at House Method did the research for you to help you find the top home warranty in Lafayette. Keep reading for our home warranty recommendations and find out which plan works best for your home.
Deciding on the best home warranty in Lafayette for your family depends on the kind of coverage you're looking for, the home warranty company you go with, and where you live, among other factors. 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 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 provide some peace of mind and prevent you from paying large out-of-pocket costs. Most home warranty plans start about 30 days after buying the home warranty plan.
For Lafayette homeowners, when an issue comes up with a covered appliance or system, it is very simple to file a claim. Most home warranty companies have an online portal system where a claim can be submitted. The claim is then processed, and a homeowner will pay the predetermined service fee to schedule the repair for their home. This repair will typically happen 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 will cover systems and appliances that have broken down from normal wear and tear. For instance, if your A.C. suddenly needs repairs under normal use conditions, you can call your home warranty provider. The appliances that are usually covered under a home warranty include clothes washer, dishwasher, garbage disposal, refrigerator, microwave, clothes dryer, and more. The systems usually included are air conditioners, hot water heaters, plumbing systems, ductwork, and electrical systems. You can also optionally choose to pay a bit extra for add-on coverage for items like swimming pools, septic systems, roof warranty, and spas.
A Lafayette home warranty will only protect against normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, intentional breakages, and natural disasters are not covered with a Lafayette home warranty.
Lafayette is known for its hot summers, and if you live in Lafayette, you know that those summers can be sweltering. During the summer months, your air conditioner can be overloaded in its effort to combat the heat. If your air conditioner did give out, a home warranty can cover repairs and prevent you from spending out-of-pocket expenses.
Another added benefit of having a home warranty plan is that it can increase your home's real estate value. If you ever decide to sell your home, 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 negatives to getting a home warranty plan, like the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty. Another drawback is that home warranties may exclude some repairs, like those that are needed because of natural disasters. For example, if your house floods, the systems and appliances that were impacted most likely won't be covered by the home warranty.
Although home warranties do have some downsides, no matter the season, a home warranty can help lower the inevitable hassle of dealing with home appliances and system repairs, giving you a little peace of mind.
We hope you now feel positive that you can choose a home warranty company in Lafayette after reading our reviews. 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. It offers great and comprehensive coverage of all the essential home appliances and systems at an affordable cost with several add-on options.
Our pick for the best overall home warranty in Lafayette is Choice Home Warranty but the right company for you will depend on factors such as what appliances and systems you need coverage for.
Home buyers, real estate agents, landlords, homeowners, and home sellers are all eligible for home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save homeowners money in the long run.
Most home warranties have a 30-day waiting period before you can make service requests, but some may offer coverage sooner so be sure to check with the company about this.
Most home warranty plans are going to cover replacement costs in addition to repair costs. How much the coverage cap is varies from one plan to the next. You can expect that home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A home warranty policy can cost on average about $300 to $800 a year in Lafayette. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by opting for a higher service fee. Additionally, it's usually cheaper to pay annually rather than monthly. For example, the warranty might cost $50 a 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 the best price is.