When one of your systems or appliances malfunctions, 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 anxious about homeownership.
Homeownership in Cincinnati can be a gratifying step for many people, but it also comes with its fair share of challenges. Repairing your home's systems and appliances can be an unexpected financial burden for many homeowners.
Because the home warranty market is saturated with many providers — all with different price points — the House Method team did the research for you to help you find the best home warranty in Cincinnati.
Selecting the best provider for your home warranty is the first step toward protecting your house. When considering which home warranty provider is the right fit for you, here are some important 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 protection plan that covers home systems and appliances. When your washer or dryer breaks down and the repair will cost several hundred dollars, a home warranty will ensure that you only have to pay a predetermined service fee. Home warranty coverage often 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 system where you can do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. The claim is then processed, and a homeowner will pay the predetermined service fee to schedule the repair . This repair will generally occur within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees are between $60 and $150.
Home warranty plans help protect your home systems and appliances. A home warranty can cover repair and replacement-related costs that are a result of normal wear . Appliances covered under a home warranty plan are typically the microwave, garbage disposal, refrigerator, dishwasher, dryer, and more. Systems that are covered usually include electrical systems, heating systems, plumbing systems, water heaters, and air conditioners. Many plans also have add-on coverage options like septic systems, roof leaks, locksmith, and even central vacuum.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your home and follow preventative maintenance guidelines, the home warranty will not cover it. Things like pre-existing conditions, cosmetic damages, lack of maintenance, and misuse are not covered by a home warranty policy.
Cincinnati is known for its mild winters and hot summers, and if you live in Cincinnati, you know that the weather can be unpredictable. During the summer months, your air conditioner can be overloaded in its effort to combat the heat. If your air conditioner did stop working, a home warranty can cover the repairs and help decrease your out-of-pocket expenses.
Another added benefit of having home warranty coverage is that it can increase your home's property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new home buyers depending on the provider you have your home warranty with.
As for the drawbacks of home warranties, system and appliance coverage varies by provider so it's important to read what each policy covers and excludes in the contract. Another thing to consider is that some companies don't cover pre-existing problems and may require an inspection before coverage begins. Ask the home warranty company for clarification about it if you aren't sure or if this is a problem for you.
Whether or not a home warranty is worth it ultimately comes down to your personal situation. Similar to any other type of insurance policy or warranty, its purpose is to offer you some peace of mind, so you will have to be the judge of how much that is worth to you.
We hope you now feel confident that you can choose a home warranty in Cincinnati after going through our guide. When it comes to home warranty companies in Cincinnati, the best overall is Choice Home Warranty. It offers great coverage of all the essential home appliances and systems at an affordable cost with several add-on options.
The best home warranty provider in Cincinnati is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced technicians and a tremendous reputation in the Cincinnati area.
Home buyers, homeowners, landlords, real estate agents, and home sellers are all eligible for home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save homeowners money in the long run.
Most home warranty companies have a 30-day waiting period before you can make service requests, but some may let you file sooner so make sure you check with the company about this.
The systems and appliances in a home are covered under a home warranty plan in Cincinnati. Everything from a fridge to a swimming pool can be covered under a home warranty.
A service fee is a cost that a homeowner pays before a repair technician or contractor comes to your home to repair your home warranty-related problem. The pricing is typically 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 except for the monthly premium/annual cost.
Many homeowners find a home warranty is worth it because it can help protect against unexpected expenses. If you're worried about your budget and home maintenance, a home warranty can help. One of the big pluses of a home warranty is that it can give you some financial peace of mind.