A home warranty in Ellicott City can help cut your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop functioning due to normal wear and tear.
Ellicott City gives homeowners some beautiful housing options. However, sudden repair and replacement costs on your home's systems and appliances can get quite pricey.
Even though a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the right choice for your Ellicott City home. That's why we've done the research and have compiled a guide of the top home warranty options in Ellicott City.
Once you're ready to buy a home warranty policy, the first step is considering what appliances and systems you need coverage for. From there, you can compare plans and contact different home warranty providers for a free quote. Policies 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.
Get a free quote from our #1 recommended provider in Ellicott City
A home warranty is a service contract 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 give you some peace of mind and guard your bank account from large out-of-pocket costs. Most home warranty plans start about 30 days after paying for the home warranty.
When you have a system or appliance that has an issue, you file a claim with your home warranty provider. You can do so online or by calling them, and then a repair technician will come and fix the problem. Once you submit the claim, it will be assigned to a local repair person that will come to your home and assess the problem. At this point, you pay the service fee. Service fees usually range in price from about $60 to $150 and this is the only out-of-pocket expense you will have to pay unless the repair cost is more than your home warranty's coverage cap.
A home warranty in Ellicott City typically covers the main systems and appliances in the house. The appliances typically covered under a home warranty plan include microwave, clothes dryer, dishwasher, refrigerator, clothes washer, garbage disposal, and more. The systems usually included are air conditioners, electrical systems, hot water heaters, ductwork, and plumbing systems. The add-on coverage options can include spa, pool, septic system, roof leak, and sometimes even things like locksmith or pest control.
A Ellicott City 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 Ellicott City home warranty.
Home warranty plans are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Ellicott City reaching upward of 62 degrees in the summer, you may find that some appliances, like your air conditioning system, get a lot of use. A home warranty can significantly lower your out-of-pocket expenses should your HVAC system stop working.
Plus, having a Ellicott City home warranty can make your house more appealing to potential home buyers if you ever decide to sell in the future. Many home warranty providers will allow you to transfer your policy to a new owner and give them the same protection you've been benefiting from.
One main drawback of home warranties is not everything may be covered. It's important to weigh the different plans and sign up for one that covers all the appliances, systems, and add-ons you need. Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They most likely won't cover systems or appliances that have need repairs or replacements due to improper maintenance, animal infestations, natural disasters, etc.
Although home warranties do have some downsides, whether during winter, summer, or the months in between, a home warranty can help cut back on the inevitable cost of dealing with home appliances and system repairs, giving you a little peace of mind.
Hopefully, this review of Ellicott City's best home warranty companies has helped you narrow down your choices and ultimately find the best plan for you. Choice Home Warranty is the best overall home warranty provider in Ellicott City. It offers great coverage at an affordable premium. However, other home warranties mentioned above are also great choices for Ellicott City residents.
Our pick for the best overall home warranty provider in Ellicott City is Choice Home Warranty but the perfect company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty is a service contract that covers repairing and replacing major home systems and appliances.
The systems and appliances in a home are covered under a home warranty in Ellicott City. Everything from a fridge to a pool can be covered under a home warranty.
Most home warranties will cover replacement costs as well as repair costs. The coverage cap varies from one plan to the next. Your home warranty will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A home warranty can cost on average about $300 to $800 a year in Ellicott City. Our top-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 choosing a higher service fee. Additionally, it's usually less expensive 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. It's important to compare plans to determine what the best price is.