A Opelousas home warranty policy can help protect home buyers and current homeowners by covering major repairs and replacements on your home's appliances and systems.
With sunshine year round, Opelousas is a great place to own a home. However, homeownership comes with its difficulties, like repairing your home's systems and appliances.
Since the home warranty market has many providers — all with different offerings — the House Method team decided to do the research for you to help you find the best home warranty in Opelousas.
After looking into home warranties in Opelousas, the next step is to figure out which company you'd like to get a free quote from. Here are some tips on looking for a home warranty in Opelousas:
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Opelousas
A home warranty is a coverage plan that helps homeowners account for the high costs of appliance and systems repairs. Home warranties will cover a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. Having a home warranty in place can make it easier to budget and manage your finances. Home warranty plans typically have a thirty-day waiting period from the time you pay to the time you can file your first claim.
For Opelousas homeowners, when a problem arises with a covered appliance or system, it is very simple to file a claim. Most home warranty providers have an online portal where a claim can be filed. The claim is then processed, and a homeowner will pay the 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 example, if your refrigerator suddenly needs repairs under normal use conditions, you can call your home warranty company. The appliances typically covered under a home warranty include microwave, garbage disposal, clothes dryer, dishwasher, refrigerator, clothes washer, and more. The systems usually included are electrical systems, air conditioners, hot water heaters, plumbing systems, and ductwork. The add-on coverage options can include spa, roof leak, pool, septic system, and sometimes even things like locksmith or pest control.
A home warranty will only cover normal wear and tear that occurs on your home systems and appliances. Things like misuse, cosmetic damages, pre-existing conditions, and lack of maintenance are excluded from the home warranty policy.
Opelousas' 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 fails in the middle of July, a home warranty can cover the necessary repairs, saving you from spending unexpected money out of pocket.
Another added benefit of having home warranty coverage is that it can increase your home's property 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 company you purchased your home warranty through.
One of the main drawbacks of home warranties is not everything may be covered. It's important to research the different plans and sign up for one that covers all the appliances, systems, and add-ons you need. Another consideration is that home warranties usually only cover malfunctions due to normal wear and tear. They commonly won't cover home systems or appliances that have been damaged due to natural disasters, animal infestations, improper maintenance, etc.
Whether or not a home warranty is worth it comes down to your personal situation. Like any other kind of insurance policy or warranty, its purpose is to give you a sense of protection, so you will have to decide how much that is worth to you.
We hope you now feel confident that you can choose a home warranty company in Opelousas after reading through our guide. Choice Home Warranty is the best overall home warranty provider in Opelousas. Choice Home Warranty provides comprehensive coverage at an affordable price.
The best overall home warranty provider in Opelousas is Choice Home Warranty but the right company for you will depend on factors like what appliances and systems you need coverage for.
A home warranty is a contract that covers the repairs and replacements of your major home system components and appliances.
Home warranty policies cover problems related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a larger plan that protects your entire home from situations like natural disasters and fires. It doesn't cover typical appliance or system damage.
Most home warranty plans have a 30-day waiting period before you can make service requests, but some may offer coverage sooner so make sure you check with the company about this.
A service fee is a cost that must be paid before a service technician or contractor comes to your home to repair your home warranty-related problem. The pricing is typically between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket cost that homeowners have with a home warranty in place except for the policy's premium.
A home warranty in Opelousas can cost anywhere from $40 to $80 a month. The higher-priced plans tend to have a lower service fee, higher coverage limits, and more coverage.