When one of your systems or appliances stops working, a home warranty will step in and help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less overwhelmed by homeownership.
Being a homeowner in Charlotte is a great option for those who enjoy bustling cities. However, as great as Charlotte is, homeownership always comes with its fair share of difficulties, such as trying to take care of your appliance and system repairs yourself.
Since the home warranty market is filled with many providers — all with different offerings — our team at House Method decided to do the research for you to help you find the right home warranty in Charlotte.
Deciding on the best home warranty in Charlotte for you depends on the type of coverage you need, the home warranty company you go with, and where you live, among other factors. When considering which home warranty company is the right fit for you, here are some important factors to take into account:
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 that covers home systems and appliances. When your washer or dryer stops working and the repair costs several hundred dollars, a home warranty will make sure that your only cost is a predetermined service fee. Home warranty coverage typically starts without an inspection and you can generally start using it about thirty days after purchasing the policy.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty provider. Most companies have an online portal where you can do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. Once you file the claim, it will be assigned to a local service technician that will come to your home and repair the problem. At this point, you pay your service fee. Service fees usually range in price from around $60 to $150 and this is the only out-of-pocket fee you will need to pay unless the repair cost is more than your home warranty's coverage cap.
A home warranty plan will cover systems and appliances that have broken down from normal wear and tear. For example, if your washing machine suddenly needs repairs under normal use conditions, this is a perfect time to call your home warranty company. Appliances covered under a home warranty plan are the refrigerator, dryer, microwave, garbage disposal, dishwasher, and more. Systems that are covered usually include electrical systems, plumbing systems, air conditioners, water heaters, and heating systems. Many plans also have add-on coverage options like septic systems, roof leaks, locksmith, and even central vacuum.
A Charlotte home warranty will only protect against normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, intentional breakages, natural disasters, and pre-existing conditions are not covered with a Charlotte home warranty.
Charlotte's 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.
Additionally, though home warranty companies vary, some providers will let you transfer your warranty if you sell your home. This can make your property more attractive to potential home buyers and maybe even make your home sell faster.
As for the disadvantages of home warranties, system and appliance coverage varies by company so it's important to understand what each policy covers and doesn't include in the contract. Plus, if you don't maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
Whether or not a home warranty is worth it ultimately comes down to your personal situation. Like any other sort of insurance policy or warranty, it's there to offer you some peace of mind, so you will have to be the judge of how much that is worth to you.
Hopefully, you now feel as though you can select the right home warranty for your Charlotte home. Choice Home Warranty is the best overall home warranty provider in Charlotte. With its comprehensive plans, fair pricing, and a good history in the industry, Choice Home Warranty has a lot to offer.
The best home warranty provider in Charlotte is Choice Home Warranty. Choice Home Warranty has a large network of experienced repair technicians and a tremendous reputation in the Charlotte area.
Home warranties cover problems with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a different kind of plan that protects one's entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system repairs.
Home buyers, landlords, real estate agents, homeowners, and home sellers can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save homeowners money in the long run.
The service fee is the price homeowner pay every time there's a problem with a home system or appliance. The service fees are typically between $60 and $150.
A home warranty in Charlotte can cost between $40 and $80 a month. Higher-priced plans typically have higher coverage limits, more coverage, and a lower service fee.