A Baltimore home warranty plan can help protect you by cutting the costs of major repairs and replacements on your home's appliances and systems.
Baltimore gives homeowners some great living options and the opportunity to enjoy the seasons. However, the variable temperatures can put quite a strain on your home's systems.
Since the home warranty market has a variety of providers — all with different offerings — the House Method team decided to do the research for you to help you find the right home warranty in Baltimore.
The first step in protecting your property with a home warranty is determining which provider's plan is right for you. Figure out which items in your home you'd like coverage for and compare the policies. Options can vary, so consider the following factors when choosing a home warranty plan:
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 the cost of repairing or replacing major home systems and appliances when they break down over time due to normal wear and tear. Having one in place can offer you some peace of mind and prevent you from paying exorbitant out-of-pocket costs. Most home warranty plans take effect about 30 days after purchasing the home warranty.
When you notice a problem 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 take a look at the problem. Once you file the claim, it will be assigned to a local technician that will come to your home and assess the issue. At this point, you pay the service fee. Service fees generally range in price from around $60 to $150 and this is the only out-of-pocket cost you will have to pay unless the repair cost is higher than your home warranty's coverage limit.
A home warranty offers coverage on your home's major appliances and systems and it can help bring down how much you spend on maintaining your home. The appliances include a clothes dryer, dishwasher, clothes washer, refrigerator, microwave, stove, cooktop, and more. The systems included are the plumbing, water heater, heating system, air conditioner, electrical, and more. Add-on coverage options can vary from one plan to another but often include things like a central vacuum, septic system, plumbing stoppages, sprinkler system, and second refrigerator.
A home warranty will only protect against normal wear and tear that occurs on your home systems and appliances. Things like cosmetic damages, misuse, lack of maintenance, and pre-existing conditions are not included in the home warranty policy.
Temperatures in Baltimore can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in Baltimore, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
Not to mention, having a home warranty can save you some time by removing the need to research repair people--most providers will send a trusted professional right to your door to complete the necessary repair or replacement.
One downside of purchasing a home warranty is that there are usually exclusions. For example, 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 carefully to get a sense of what is included and what isn't. Another thing to consider is that some providers don't cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty company for clarification about it if you aren't sure or if this is a problem for you.
Although home warranties do have some things to bear in mind, no matter the season, a home warranty can help reduce the inevitable cost of dealing with home appliances and system repairs, giving you some peace of mind.
Hopefully, you now feel positive that you can choose a home warranty provider in Baltimore after reading our guide. All of these top providers have impressive experience in the industry and coverage options. 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 provider in Baltimore is Choice Home Warranty but the perfect company for you will vary based on factors such as what appliances and systems you need to have covered.
A home warranty is a of service contract that gives homeowners extra coverage for their household systems and appliances. These include washing machines, dishwashers, refrigerators, dryers, garbage disposals, sump pumps, plumbing, heating and cooling systems, water heaters, and electrical systems, among others. Some policies also offer coverage for roofs, ceiling fans, garage door openers, and pools. A home warranty can help you save money if these appliances and systems break down unexpectedly.
A home warranty plan protects against the normal wear and tear of home systems and appliances. A homeowners insurance plan protects your entire home in case of a situation such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim should you need a new washing machine or dishwasher, unless the damage is a result of a natural disaster.
Most home warranty providers have a 30-day waiting period before you can make service requests, but some may let you file sooner so be sure to check with the company about this.
Home warranties cover the cost of repairs and replacements if it is within the coverage cap of the plan. If the replacement will cost more than the home warranty plan covers, you will have to pay for the rest out of pocket.
A home warranty plan can cost on average around $300 to $800 a year in Baltimore. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, going with the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best price is.