A home warranty in Durham can help decrease your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
Many living in Durham have fulfilled their dream of homeownership. However, as great as Durham can be, there are always added costs that come with owning a home, such as keeping your home's systems and appliances maintained.
Finding the best home warranty on the market can be quite challenging since there are dozens of companies to decide between. That's why the House Method team did the research and put together a list of the top home warranty companies in Durham for you.
After researching the basics of home warranties in Durham, your next step is to figure out which company you want to get a free quote from. When considering which home warranty company is the best fit for you, here are some important factors to bear 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 covers the cost of repairing or replacing major home systems and appliances when they break down over time due to normal wear and tear. Having one in place can give you some peace of mind and guard your bank account from unexpected out-of-pocket costs. Most home warranty plans start about 30 days after purchasing the home warranty policy.
For Durham homeowners, when a problem arises with a covered appliance or system, it is very simple to file a claim. Most home warranty companies have an online portal where a claim can be filed. After that, you will pay the service fee. Service fees for home warranties range in price from $60 to $150. Most home warranty plans also have a coverage limit, which is the maximum cost per year or appliance that the home warranty will cover for repairs and replacements.
A home warranty plan will cover systems and appliances that have broken down due to normal wear and tear. For example, if your A.C. suddenly needs repairs under normal use conditions, this is a perfect time to call your home warranty provider. The appliances usually covered under a home warranty plan are the dishwasher, dryer, refrigerator, washing machine, oven, microwave, and more. System coverage typically includes water heaters, air conditioning, plumbing, heating systems, electrical systems, and more. Many home warranty plans also provide add-on coverage options like central vacuum, roof leaks, locksmith, and even septic systems.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and follow preventative maintenance guidelines, the home warranty will not cover it. Things like pre-existing conditions, misuse, cosmetic damages, and lack of maintenance are excluded from a home warranty policy.
Durham is known for its hot summers, and if you live in Durham, you know that those summers can be brutal. During the summer months, your air conditioner can be strained in its effort to combat the heat. If your air conditioner did give out, a home warranty can cover the repairs and prevent you from spending out-of-pocket expenses.
Plus, having a Durham home warranty can help make your house more attractive to potential home buyers should you ever decide to sell later. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you've been getting.
One major drawback of a home warranty is not every home system and appliance may be covered. It's important to weigh the different policies and choose one that covers all the appliances, systems, and add-ons you need. 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 besides normal wear and tear — the home warranty may not cover it.
Owning a home is a big responsibility that can be costly, but rewarding. A home warranty is one thing that can help with your home maintenance budget, but whether or not it's worth it for you is something you'll have to weigh before taking the leap and purchasing a policy.
Hopefully, you now feel like you can choose the best home warranty for your Durham home. Choice Home Warranty stands out as the best overall choice. With its comprehensive coverage, affordable pricing, and a good history in the industry, Choice Home Warranty has a lot to offer.
The best overall home warranty provider in Durham is Choice Home Warranty but the best company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty policy can help home sellers, investors, real estate agents, homeowners, and homebuyers. It can provide peace of mind to anyone involved in homeownership.
The systems and appliances in a home are covered under a home warranty plan in Durham. Everything from a oven to a washer can be covered under a home warranty.
A service fee is an expense that must be paid before a repair person or contractor comes to your home to repair your home warranty-related problem. Prices typically range between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty in place except for the policy's premium.
A home warranty in Durham can cost anywhere from $40 to $80 a month. The higher-priced plans typically have more coverage, a lower service fee, and higher coverage limits.