A home warranty can bring you the peace of mind you need about your home and safeguard your savings account from large expenses by covering your home's major systems and appliances.
Miami gives homeowners some great housing options. However, unexpected repair and replacement costs on your home's systems and appliances can get quite pricey.
Even though a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the best choice for your Miami home. That's why we've done the research and have made a guide of the best home warranty plans in Miami.
The first step in protecting your property with a home warranty is determining which provider's plan is the best for you. Figure out which items in your home you'd like coverage for and compare the plans. Plans can vary, so consider the following factors when picking a home warranty policy:
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 makes it more affordable when one of your home systems or appliances experiences a problem. A home warranty can help homeowners who need to keep a budget in place and don't want to use their savings to pay for large repair or replacement expenses. Typically about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
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 to help you 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 service fee to schedule the repair for their home. This repair will usually happen within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees range between $60 and $150.
A home warranty plan will cover systems and appliances that have stopped working due to normal wear and tear. For instance, if your washing machine suddenly stops working under normal use conditions, your home warranty provider can help. Typical appliances covered under a home warranty include a dryer, washer, garbage disposal, dishwasher, refrigerator, microwave, and more. The systems that are most commonly covered will be heating systems, electrical systems, hot water heaters, plumbing systems, and air conditioners. You can also optionally opt to pay extra for add-on coverage for items such as roof warranty, spas, swimming pools, and septic systems.
A home warranty will only cover normal wear and tear that occurs on your home systems and appliances. Things such as cosmetic damages, lack of maintenance, misuse, and pre-existing conditions are excluded from the home warranty policy.
Miami is known for its mild winters and hot summers, and if you live in Miami, you know that the weather can be unpredictable. 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.
Additionally, having a Miami home warranty can help make your house more attractive to potential home buyers if 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 benefiting from.
Home warranties also have some drawbacks. While it can give you less to worry about since the home warranty sends out a service technician who does the repair for you, some homeowners may not like this, and they may want to choose a contractor themselves. If that's the case for you, some home warranty plans allow you to choose a contractor. Another thing to bear in mind is that some companies don't cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty company for clarification about this if you need more information or if this is an issue for you.
Although home warranties do have some downsides, no matter the season, a home warranty can help reduce the inevitable hassle of home appliances and system repairs, giving you a little peace of mind.
A home warranty in Miami can save you lots of money and give you peace of mind when it comes to costly home repairs and replacements. The best provider in Miami is Choice Home Warranty. Choice Home Warranty offers home warranties with great coverage at an affordable cost.
The top home warranty provider in Miami is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced service technicians and a respected reputation in the Miami area.
A home warranty plan helps protect against the normal wear of systems and appliances in a home. A homeowners insurance plan protects your home in case of something like a natural disaster or fire. Under 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.
First-time home buyers, homeowners, landlords, home sellers, and real estate agents are all eligible for home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save homeowners money in the long run.
Typically coverage for a home warranty begins 30 days on the day the sale closes. However, a few companies may let you file a claim before this, so check with customer service to find the exact waiting period for your case.
A service fee is a cost that must be paid before a service technician or contractor comes to your home to repair your home warranty-related issue. The pricing is typically between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners have with a home warranty in place except for the policy's premium.
Owning a home can be costly. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty policy, you will not have any large hits to your bank account for home maintenance.