When one of your systems or appliances breaks down, a home warranty will step in and help you cover the costs. A home warranty plan can give homeowners the peace of mind they need to feel less overwhelmed by homeownership.
As much as you may enjoy owning a home in Maplewood, there is always that worry about whether or not your systems and appliances are going to need repairs over the next few years.
Choosing the best home warranties on the market can be quite a challenge because of the numerous options out there. If you are frustrated with trying to compare the different options, keep reading for our guide to the best home warranty providers in Maplewood.
Finding the best provider for your home warranty is a step you could take to protect your home. Here are some tips on buying a home warranty in Maplewood:
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 Maplewood
A home warranty is a protection plan for home systems and appliances. When your washer or dryer breaks down and the repair costs several hundred dollars, a home warranty will make sure that your only responsibility is a predetermined service fee. Home warranty coverage often starts without an inspection and generally goes into place about thirty days after purchasing the policy.
For Maplewood homeowners, when an issue happens with a covered appliance or system, it is very simple to file a claim. Most home warranty companies have an online portal system where you can submit a claim. At this point, you will also need to pay your service fee. Once the contractor takes a look at the problem, they will deal with it at no cost to you. The only time you may have to pay out-of-pocket costs is if the repair or replacement is more than the item's coverage cap.
A home warranty offers coverage on your home's major appliances and systems and it can help bring down your home maintenance expenses. The appliances usually covered under a home warranty plan are the oven, microwave, refrigerator, washing machine, dishwasher, dryer, and more. System coverage typically includes water heaters, electrical systems, plumbing, heating systems, air conditioning, and more. Add-on coverage options can vary by provider but often include things such as a septic system, central vacuum, plumbing stoppages, second refrigerator, and sprinkler system.
Maplewood homeowners should understand that a home warranty plan will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. You must keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related issue will be covered by the policy.
Maplewood's mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can help 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 necessary repairs, preventing you from spending a lot of money out of pocket.
Plus, having a Maplewood home warranty can help make your house more attractive to potential home buyers if 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 benefiting from.
One drawback of signing up for a home warranty is that there are generally 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 through the contracts you're considering carefully to understand what is included and what isn't. Additionally, if you don't maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
Homeownership is a big responsibility that can be expensive, but valuable. A home warranty is one thing that can help with your home maintenance budget, but its worth for you is something you'll have to determine before taking the leap and getting a policy.
Hopefully, this review of Maplewood's best home warranty options has helped you narrow down your choices and ultimately find the right plan for you. Choice Home Warranty is the best overall home warranty provider in Maplewood. Choice Home Warranty provides comprehensive coverage at an affordable cost.
The best overall home warranty provider in Maplewood is Choice Home Warranty but the best company for you will vary based on factors like what appliances and systems you need to have covered.
First-time home buyers, real estate agents, landlords, homeowners, and home sellers can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save homeowners money in the long run.
The systems and appliances in a home are covered under a home warranty policy in Maplewood. Everything from a stove to a swimming pool can be covered under a home warranty.
A home warranty plan can cost on average anywhere from about $300 to $800 a year in Maplewood. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, 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.
Homeownership can be costly. When a system or appliance breaks down, it can leave homeowners unexpectedly having to come up with the money to fix it. With a home warranty in place, you will not have any large hits to your bank account for home maintenance.