A home warranty can offer you the peace of mind you need about your home and safeguard your savings account from large expenses by covering your home's major systems and appliances.
Owning a home in Omaha has tons of great benefits, but there are, of course, some downsides too. The humid weather can cause problems in a home and destroy some systems and appliances.
Finding the best home warranty on the market can be quite overwhelming as there are lots of companies to decide between. That's why the House Method team did the research and made a list of the top home warranty companies in Omaha for you.
Finding the best provider for your home warranty is the first step toward protecting your house. Before deciding which home warranty to buy, here are a few other 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 coverage plan that helps homeowners cut back on the high costs of appliance and systems repairs. Home warranties will provide coverage for a number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty is one thing that can make budgeting and managing your finances easier. Home warranty plans typically have a thirty-day waiting period from the time you pay to the time they start.
Filing a claim with your home warranty company is easy. There will be either an online portal system or a direct phone number to file your claim with your home warranty company. At this point, you will pay the service fee, which is typically between $60 and $150 depending on what plan you have. Once the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. If the repair is covered by the warranty and the coverage cap is not reached, most homeowners will not have to pay any other out-of-pocket costs after the service fee is paid.
A home warranty will cover systems and appliances that have stopped working due to normal wear and tear. For example, if your dishwasher suddenly stops working under normal use conditions, this is a perfect time to call your home warranty provider. Typical appliances covered by a home warranty plan include a refrigerator, washer, microwave, dryer, garbage disposal, dishwasher, and more. The systems that are most commonly covered will be air conditioners, plumbing systems, hot water heaters, electrical systems, and heating systems. The add-on coverages can include roof leak, pool, septic system, spa, and sometimes even things like locksmith or pest control.
An important thing to note is that home warranties only protect against normal wear and tear that occurs on your home systems and appliances. Things like lack of maintenance, cosmetic damages, misuse, and pre-existing conditions are excluded from the home warranty policy.
Omaha'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 is designed to cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the needed repairs, saving you from spending a lot of money out of pocket.
A home warranty also can also save you time and energy. Instead of spending hours finding and choosing a technician to fix your appliance or system, home warranty providers do the hard work for you and just send a trusted professional to your door whenever you need them.
Home warranties also have some downsides. While it can save you time when the home warranty sends out a repair technician who takes care of the repair for you, some homeowners may not like this, and they would rather select their own contractor. If that's important to you, some home warranty providers 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.
It isn't always easy to budget for the unexpected expenses that can come with owning a home, but a home warranty can help you with that. Similar to any other warranty or insurance policy, there will always be advantages and disadvantages of purchasing one but its main purpose is to provide protection and peace of mind.
Hopefully, this review of Omaha's best home warranty providers has helped you narrow down your choices and find the best plan for you. Choice Home Warranty is the best overall home warranty provider in Omaha. It offers comprehensive coverage at an affordable premium. However, other home warranties mentioned above are also great choices for Omaha residents.
The best home warranty provider in Omaha is Choice Home Warranty. Choice Home Warranty has a large network of experienced service technicians and a respected reputation in the Omaha area.
A home warranty is a contract that covers the repairs and replacements of major home systems and appliances.
Home warranty plans cover issues with home systems and appliances that need to be repaired or replaced due to normal wear and tear. The 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.
First-time home buyers, homeowners, landlords, home sellers, and real estate agents can all get home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save homeowners money in the long run.
Homeownership can be expensive. When a system or appliance breaks down, it can leave homeowners unexpectedly having pay a large amount of money to fix it. With a home warranty policy, you will not have any large hits to your bank account for home maintenance.