A home warranty in Springfield can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
Although homeownership in Springfield has many benefits, such as life in a vibrant city, there are also downsides, similar to owning a house anywhere else. One major hassle many homeowners have to deal with inevitably is updating or repairing their appliances and home systems.
Since the home warranty market is saturated with many providers — all with different plans — the House Method team decided to do the research for you to help you find the right home warranty in Springfield.
After researching home warranties in Springfield, the next step is to figure out which company you want to receive a free quote from. Plans can vary, so consider the following factors when deciding on a home warranty company:
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 for home systems and appliances. When your washer or dryer stops working and the repair will cost several hundred dollars, a home warranty will ensure that your only cost is a predetermined service fee. Home warranty coverage usually starts without an inspection and you can generally start using it about thirty days after purchasing the policy.
Filing a claim with your home warranty company is simple. You can use either an online portal or a direct phone number to file your claim with your home warranty company. Once you submit the claim, it will be assigned to a local service technician that will come to your home and fix the issue. At this point, you pay your service fee. Service fees typically 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 higher than your home warranty's coverage cap.
A home warranty in Springfield usually covers the main systems and appliances in the house. The appliances that are usually covered under a home warranty include microwave, garbage disposal, clothes dryer, clothes washer, refrigerator, dishwasher, and more. The systems usually included are hot water heaters, electrical systems, air conditioners, ductwork, and plumbing systems. You can also opt to pay a bit extra for add-on coverage for items like septic systems, roof warranty, spas, and swimming pools.
Springfield homeowners should know that a home warranty will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like misuse of a system or appliance, pre-existing conditions, natural disasters, or cosmetic issues. You have to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related complication will be covered by the policy.
Home warranty policies are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Springfield reaching upward of 66 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 break down.
Another added benefit of having a home warranty plan is that it can increase your home's real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new home buyers depending on the provider you have your home warranty with.
Home warranties also have some drawbacks. While it can save you time when the home warranty sends out a contractor who carries out the repair for you, some people may not like this, and they would prefer to select their own contractor. If that's the case for you, some home warranty plans let you select a contractor. In addition, if you don't maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
Although home warranties do have some downsides, whether during winter, summer, or the months in between, a home warranty can help lower the inevitable hassle of dealing with home appliances and system repairs, giving you some peace of mind.
A home warranty can save you several thousands of dollars on home repairs and give you peace of mind as a homeowner. Choice Home Warranty is the best overall home warranty provider in Springfield. Its comprehensive coverage, fair pricing, and easy to understand policies make it a great home warranty for Springfield homeowners.
The best home warranty company in Springfield is Choice Home Warranty. Choice Home Warranty a large network of experienced technicians and a tremendous reputation in the Springfield area.
A home warranty plan covers the normal wear and tear of home systems and appliances. A homeowners insurance plan protects the entire home in case of a situation like a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim should you need a new washing machine or oven, unless the damage is due to a natural disaster.
First-time home buyers, homeowners, landlords, real estate agents, 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 on the day the sale closes. However, a few companies may allow you to file a claim before this, so check with customer service to find the exact waiting period for your case.
A Springfield home warranty can cost between $40 and $80 a month. The higher-priced plans typically have higher coverage limits, more coverage, and a lower service fee.