A home warranty is a way to protect your savings from unexpected large expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Owning a home in Elizabeth City has many 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.
Even though a home warranty can help with your homeowner headaches, one pain point is narrowing down the best choice for your Elizabeth City home. That's why we've done the research and have put together a guide of the best home warranty companies in Elizabeth City.
The first step in protecting your property with a home warranty is determining which company's plan is right for you. Think about the appliances and systems in your home you'd like coverage for and compare the plans. When figuring out which home warranty company is the right one 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 refrigerator stops working and the repair costs several hundred dollars, a home warranty will ensure that you're only responsible for 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.
When you notice a problem with one of your appliances or systems, you can file a claim with your home warranty company. Then, a customer service representative will reach out to you about a repair technician coming over to look at the issue. After that, you will pay your service fee. Service fees for home warranties range from $60 to $150. Most home warranty plans also have a coverage cap, which is the maximum amount per year that the home warranty plan will cover for repairs and replacements.
A home warranty in Elizabeth City typically covers the main systems and appliances in the home. Typical appliances covered by a home warranty include a dishwasher, microwave, dryer, refrigerator, garbage disposal, washer, and more. The systems that are most commonly covered will be hot water heaters, heating systems, air conditioners, plumbing systems, and electrical systems. Many plans also have add-on coverage options like roof leaks, septic systems, central vacuum, and even locksmith.
A home warranty will only cover normal wear and tear that occurs on your home systems and appliances. Things such as misuse, cosmetic damages, pre-existing conditions, and lack of maintenance are not included in the home warranty policy.
Elizabeth City'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 in the event 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, preventing 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 researching and choosing a repair person to fix your appliance or system, home warranty companies do the hard work for you and just send a trusted professional to your door whenever you need them.
One disadvantage of buying a home warranty is that there are usually exclusions. For instance, 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 any contracts you're considering carefully to get a sense of what is included and what isn't. Another downside is that home warranties may not include some repairs, like those due to natural disasters. For example, if a tree falls onto your house and damages the roof, the systems and appliances that were affected most likely won't be covered by the home warranty.
It isn't always easy to budget for the unexpected expenses that can come with owning a home, but a home warranty can help with that. Similar to any other warranty or insurance policy, there will always be pros and cons of buying one but its main purpose is to provide protection and peace of mind.
Hopefully, this review of Elizabeth City's top home warranty providers has helped you narrow down your choices and find the right plan for you. When it comes to home warranty company choices in Elizabeth City, the best overall is Choice Home Warranty. Its comprehensive coverage, affordable pricing, and easy to understand policies make it a great home warranty for Elizabeth City homeowners.
Our pick for the best overall home warranty provider in Elizabeth City is Choice Home Warranty but the perfect company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty is a contract that covers the repairs and replacements of your major home system components and appliances.
A home warranty helps protect against the normal wear and tear of home systems and appliances. A homeowners insurance plan protects your entire home in case of a situation such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim should you need a new dryer or dishwasher, unless the damage is a result of a natural disaster.
Most home warranty plans have a 30-day waiting period before you can make service requests, but some may offer coverage sooner so be sure to check with the company about this.
Home warranties will cover the cost of repairs and replacements if it is within the coverage cap of the plan. If the replacement will cost more than the home warranty covers, you will have to pay the rest out of pocket.
A home warranty plan can cost on average anywhere from about $300 to $800 a year in Elizabeth City. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's typically less expensive to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best value is.