A home warranty in Independence can help cut your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
Independence gives homeowners some great housing options and the opportunity to enjoy the seasons. However, the variable temperatures can put quite a strain on your home's systems.
Finding the best home warranty on the market can be quite challenging as there are dozens of companies to choose from. That's why our team at House Method did the research and made a list of the best home warranty companies in Independence for you.
After researching home warranties in Independence, the next step is to determine which company you'd like to get a free quote from. When considering which home warranty company is the best one for you, here are some important factors to keep in mind:
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 service contract that brings down the cost of repairs when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to keep a budget in place and don't have the savings to pay for large repair or replacement expenses. Typically about 30 days after buying a home warranty plan, the coverage will start on your home systems and appliances.
Filing a claim with your home warranty company is very simple. You can use either an online portal or a direct phone number to file your claim with your home warranty company. The claim is then processed, and a homeowner will pay the predetermined service fee to schedule the repair . This repair will typically occur within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees range between $60 and $150.
Home warranties help protect both home systems and appliances. A home warranty can cover repairs and replacements that are a result of normal wear and tear. The appliances usually covered under a home warranty plan are the refrigerator, washing machine, oven, microwave, dishwasher, dryer, and more. System coverage typically includes air conditioning, water heaters, heating systems, electrical systems, plumbing, and more. Many home warranty plans also offer add-on coverage options like central vacuum, roof leaks, septic systems, and even locksmith.
Independence homeowners should know that a home warranty plan will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like misuse of a system or appliance, pre-existing conditions, cosmetic issues, or natural disasters. You must keep up with preventative maintenance on your home systems and appliances to be sure that your next repair or replacement-related complication will be covered by the policy.
Since temperatures in Independence can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Having a home warranty can help homeowners save money if one of these systems or appliances stops working suddenly.
Additionally, having a Independence home warranty can help make your house more appealing to potential home buyers should you ever decide to sell in the future. Many home warranty companies will allow you to transfer your plan to a new owner and give them the protection you've been getting.
One drawback of signing up for a home warranty is that there are usually 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 over any contracts you're considering carefully to understand what is included and what isn't. Another possible pain point of home warranties is that they don't cover systems or appliances that haven't been properly maintained. This can lead to your claims being rejected, so it's important to make sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Although home warranties do have some downsides, no matter the season, a home warranty can help lower the inevitable cost of dealing with home appliances and system repairs, giving you some peace of mind.
Hopefully, you now feel like you can select the proper home warranty for your Independence home. Choice Home Warranty is the best overall home warranty company in Independence. It offers comprehensive coverage at an affordable cost. However, other home warranties reviewed above also give great coverage choices for Independence residents.
The best overall home warranty company in Independence is Choice Home Warranty but the right company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty is a type of service contract that covers the repairs and replacements of your major home system components and appliances.
A home warranty plan covers the normal wear and tear of home systems and appliances. 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 should you need a new refrigerator or stove, unless the damage is a result of a natural disaster.
Most home warranty plans will cover replacement costs as well as repair costs. How much the coverage cap is 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.