A home warranty is a way to protect your savings account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be remarkably lower and give you some peace of mind.
Half Moon gives homeowners some great housing options and the opportunity to enjoy the sun all year round. However, those extreme temperatures can do quite a bit of damage to your home's systems.
Since the home warranty market is filled with a variety of providers — all with different plans — the House Method team did the research for you to help you find the right home warranty in Half Moon.
Selecting the right provider for your home warranty is the first step toward protecting your house. When figuring out which home warranty provider 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 service contract that brings down the cost of repairs when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to stick to their budget and don't have the savings to pay for large repair or replacement expenses. Typically about 30 days after paying for a home warranty plan, the coverage will start on your home systems and appliances.
For Half Moon homeowners, when an issue arises with a covered appliance or system, it is very straightforward to file a claim. Most home warranty providers have an online portal system where a claim can be filed. Once you file the claim, it will be assigned to a local service technician that will come to your home and fix the problem. At this point, you pay the service fee. Service fees generally range in price from around $60 to $150 and this is the only out-of-pocket cost you will need to pay unless the repair cost is higher than your home warranty's coverage limit.
Home warranty plans help protect both your home systems and appliances. A home warranty can cover repairs and replacements that are due to normal wear and tear. The appliances typically covered under a home warranty plan are the dryer, refrigerator, oven, microwave, dishwasher, washing machine, and more. System coverage typically includes plumbing, air conditioning, electrical systems, heating systems, water heaters, and more. Add-on coverage options can vary by company but often include things like a septic system, sprinkler system, plumbing stoppages, central vacuum, and second refrigerator.
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, misuse, pre-existing conditions, and cosmetic damages are not included in the home warranty policy.
Half Moon is known for its hot summers, and if you live in Half Moon, you know that those summers can be tough. During the summer months, your air conditioner can be overworked in its effort to combat the heat. In the event that your air conditioner did break down, a home warranty can cover repairs and prevent you from spending out-of-pocket expenses.
Not to mention, having a home warranty can save you time by getting rid of the need to research technicians--most companies will send a trusted professional right to your door to do the repair or replacement.
There are also some negatives to buying a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty. Additionally, if you don't maintain your home systems or appliances properly, or if they need repairs or replacements 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 exclusions to keep in mind, whether during winter, summer, or the months in between, a home warranty can help cut back on the inevitable expense of home appliances and system repairs, giving you a little peace of mind.
Hopefully, you now feel as though you can select the proper home warranty for your Half Moon home. The best provider in Half Moon is Choice Home Warranty. Choice Home Warranty provides comprehensive coverage at an affordable price.
The best overall home warranty provider in Half Moon is Choice Home Warranty but the right company for you will vary based on factors like what appliances and systems you need to have covered.
A home warranty is a type of service contract designed to give homeowners extra coverage for their household systems and appliances. These include refrigerators, garbage disposals, dishwashers, dryers, washing machines, heating and cooling systems, electrical systems, plumbing, sump pumps, and water heaters, among others. Some companies also offer coverage for garage door openers, pools, roofs, and ceiling fans. A home warranty can help you save money if these appliances and systems fail unexpectedly.
Home warranties 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 insurance that protects one's entire home from natural disasters and fires. It doesn't cover normal appliance or system breakage.
A home warranty policy covers repair and replacement costs for systems and appliances in a home. Home warranties will not cover the intentional breaking of an appliance or something that happened as a result of a pre-existing condition.
A Half Moon home warranty can cost between $40 and $80 a month. The higher-priced plans tend to have a lower service fee, more coverage, and higher coverage limits.