A home warranty can bring you the peace of mind you need about your home and protect your bank account from large expenses by covering your home's major systems and appliances.
As much as you may enjoy homeownership in Montgomery, there is always that concern about whether or not your systems and appliances are going to need updating over the next few years.
Finding the best home warranty on the market can be quite time-consuming because there are dozens of companies to decide between. That's why the House Method team did the research and compiled a list of the top home warranty companies in Montgomery for you.
Choosing the right home warranty in Montgomery for your family depends on the type of coverage you're looking for, the home warranty company you opt for, and where you live, among other factors. Below are some tips on buying a home warranty in Montgomery:
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 have issues over time due to normal wear and tear. Having a home warranty in place can provide some peace of mind and protect your savings account from unexpected out-of-pocket costs. Most home warranty plans start about 30 days after buying the home warranty plan.
For Montgomery homeowners, when an issue happens with a covered appliance or system, it is very straightforward to file a claim. Most home warranty companies have an online portal system where you can submit a claim. At this point, you will pay your service fee, which is typically between $60 and $150 depending on what plan you select. After the service fee is paid, a service technician will come to your home, assess the issue, and repair it. As long as the repair is covered by the warranty and it's within the coverage cap, most homeowners will not have any other out-of-pocket costs apart from the service fee.
A home warranty plan provides coverage on your home's major appliances and systems and it can help bring down the cost of maintenance on your home. The appliances usually covered under a home warranty plan are the microwave, oven, refrigerator, washing machine, dishwasher, dryer, and more. System coverage typically includes water heaters, plumbing, heating systems, air conditioning, electrical systems, and more. Many home warranty plans also offer add-on coverage options like locksmith, central vacuum, roof leaks, and even septic systems.
A home warranty will only protect against normal wear and tear that occurs on your home systems and appliances. Things like misuse, pre-existing conditions, lack of maintenance, and cosmetic damages are not included in the home warranty policy.
Montgomery's mild winters and 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 if they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the needed repairs, saving you from spending a lot of money out of pocket.
A home warranty can also have value in other ways. For example, some plans can be transferred between owners during a home sale.
As for the negatives of home warranties, coverage varies by provider so it's important to understand what each policy covers and doesn't include in the contract. 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 other than normal wear and tear — the home warranty may not cover it.
Homeownership is a big responsibility that can be expensive, but fruitful. A home warranty is one thing that can help ease the costs of home maintenance, but whether or not it's worth it for you is something you'll have to consider before taking the leap and purchasing a policy.
A home warranty can save you a decent amount of money on home maintenance and offer you peace of mind as a homeowner in Montgomery. The best provider in Montgomery is Choice Home Warranty. It offers comprehensive coverage of all the essential home appliances and systems at an affordable cost with several optional add-ons.
Our pick for the best overall home warranty in Montgomery is Choice Home Warranty but the right company for you will vary based on factors such as what appliances and systems you need to have covered.
A home warranty plan protects against the normal wear of systems and appliances in a home. A homeowners insurance plan protects your entire home in a situation such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is due to a natural disaster.
First-time home buyers, home sellers, landlords, homeowners, and real estate agents can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save homeowners money in the long run.
Usually coverage for a home warranty begins 30 days on the day the sale closes. However, a few companies may allow you to file a claim before this, so check with customer service to find the exact waiting period for your case.
The service fee is the price you pay each time there's an issue with a home system or appliance. The service fees are usually between $60 and $150.
A home warranty can cost on average about $300 to $800 a year in Montgomery. Our high-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 opting for a higher service fee. In addition, it's often 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, opting for the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best value is.