A home warranty can offer you the peace of mind you need about your home and protect your savings account from large expenses by covering your home's major systems and appliances.
Excelsior Springs gives homeowners some great living options and the opportunity to enjoy the seasons. However, the variable temperatures can do quite a bit of damage to your home's systems.
Because the home warranty market is saturated with many providers — all with different plans — our team at House Method did the research for you to help you find the best home warranty in Excelsior Springs.
Once you're ready to purchase a home warranty plan, the first step is thinking about what appliances and systems you need coverage for. From there, you can compare your options and contact different home warranty providers for a free quote. Here is a list of factors that you'll want to bear 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.
Get a free quote from our #1 recommended provider in Excelsior Springs
A home warranty is a protection plan for home systems and appliances. When your HVAC breaks down and the repair will cost several hundred dollars, a home warranty will make sure that your only responsibility is a predetermined service fee. Home warranty coverage usually starts without an inspection and you can generally start using it about thirty days after making your first payment.
When one of your systems or appliances has an issue, 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. After that, you will pay your service fee. Service fees for home warranties range in price from $60 to $150. Most home warranty plans also have a coverage limit, which is the maximum cost per year or appliance that the home warranty company will cover for repairs and replacements.
A home warranty plan will cover systems and appliances that have broken down due to normal wear and tear. For example, if your A.C. suddenly stops working under normal use conditions, your home warranty company can help. The appliances usually covered under a home warranty include refrigerator, clothes washer, garbage disposal, microwave, dishwasher, clothes dryer, and more. The systems usually included are electrical systems, ductwork, air conditioners, hot water heaters, and plumbing systems. You can also optionally opt to pay extra for add-on coverage for items such as spas, swimming pools, roof warranty, and septic systems.
A Excelsior Springs home warranty will only cover repairs and replacements due to normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, natural disasters, pre-existing conditions, and intentional breakages are not covered with a Excelsior Springs home warranty.
Excelsior Springs' mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty will cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the needed repairs, preventing you from spending a lot of money out of pocket.
In addition to saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the hassle of trying to find a qualified technician to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair issues you may experience.
One drawback of signing up for 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 covered under the home warranty, so it's important to read over any contracts you're considering thoroughly to get a sense of what is included and what isn't. Another thing to bear in mind is that some providers don't cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty provider for clarification about this if you aren't sure or if this is an issue for you.
Although home warranties do have some exclusions to keep in mind, no matter the season, a home warranty can help reduce the inevitable expense of home appliances and system repairs, giving you a little peace of mind.
Hopefully, you now feel as though you can choose the right home warranty for your Excelsior Springs home. When it comes to home warranty companies in Excelsior Springs, the best overall is Choice Home Warranty. 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 Excelsior Springs is Choice Home Warranty but the perfect company for you will depend on factors such as what appliances and systems you need to have covered.
A home warranty plan covers the normal wear of systems and appliances in a home. Homeowners insurance protects your home in case of something such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim if you need a new refrigerator or stove, unless the damage is a result of a natural disaster.
Home buyers, real estate agents, landlords, homeowners, and home sellers can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save homeowners money in the long run.
Usually coverage for a home warranty policy begins 30 days after payment. However, a few companies may allow you to make a service request before this, so verify with customer service to find the exact waiting period for your situation.
Most home warranties will cover replacement costs as well as repair costs. How much the coverage cap is varies from one plan to the next. Home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A service fee is a cost that a homeowner pays before a repair technician or contractor comes to your home to repair your home warranty-related issue. Prices typically range between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty apart from the policy's premium.