A home warranty can offer you the peace of mind you need about your home and shield your bank account from large expenses by covering your home's major systems and appliances.
Being a homeowner in Troy is an excellent option for those who love up and coming cities. However, as great as Troy is, homeownership always comes with its fair share of negatives, such as trying to pay for your appliance repairs yourself.
Since the home warranty market is saturated with a lot of providers — all with different price points — the House Method team did the research for you to help you find the best home warranty in Troy.
Once you're ready to purchase a home warranty plan, the first step is deciding what items you need coverage for. After that, you can compare your options and call different home warranty providers for a free quote. Below is a list of factors that you'll want to keep in mind when selecting a home warranty provider:
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 makes it more affordable when one of your home systems or appliances experiences a complication. A home warranty can help homeowners who need to stick to their budget and don't have the savings to pay for large repair or replacement expenses. Typically about 30 days after paying for a home warranty plan, the coverage will start on your home systems and appliances.
When one of your systems or appliances experiences a problem, you file a claim with your home warranty provider. You can do so in an online portal or by calling them, and then a contractor will come and fix the problem. Once you file the claim, it will be assigned to a local technician that will come to your home and repair 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 fee you will have to pay unless the repair cost is higher than your home warranty's coverage limit.
A home warranty plan provides coverage on your home's major appliances and systems and it can help cut back on how much you spend on maintaining your home. Typical appliances covered under a home warranty plan include a dryer, washer, refrigerator, microwave, dishwasher, garbage disposal, and more. The systems that are most commonly covered will be hot water heaters, plumbing systems, air conditioners, electrical systems, and heating systems. 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 on your home systems and appliances. Things like misuse, lack of maintenance, cosmetic damages, and pre-existing conditions are excluded from the home warranty policy.
Temperatures in Troy can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a lot of use. As a homeowner in Troy, one benefit 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.
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 provider you purchased your home warranty through.
One downside of purchasing a home warranty is that there are generally exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it's important to read through the contracts you're considering thoroughly to understand what is included and what isn't. Another thing to keep in mind is that some providers don't cover pre-existing damage and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about this if you need more information or if this is an issue for you.
Although home warranties do have some things to bear in mind, whether during winter, summer, or the months in between, a home warranty can help mitigate the inevitable hassle of home appliances and system repairs, giving you a little peace of mind.
A home warranty in Troy can save you a lot of money and offer you peace of mind when it comes to expensive home repairs and replacements. When it comes to home warranty companies in Troy, the best overall is Choice Home Warranty. With its comprehensive plans, affordable pricing, and a good reputation in the industry, Choice Home Warranty has a lot to offer.
The top home warranty provider in Troy is Choice Home Warranty. Choice Home Warranty a large network of experienced service technicians and a great reputation in the Troy area.
A home warranty is a service contract that covers the repairs and replacements of your major home system components and appliances.
Home warranty policies cover issues related to home systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different kind of plan that protects your entire home from natural disasters and fires. It doesn't cover normal appliance or system breakage.
The service fee is the price homeowner pay every time there's a problem with a home system or appliance. The service fees are commonly between $60 and $150.