A home warranty in Troy can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
As much as you may enjoy homeownership in Troy, there is always that concern about whether or not your systems and appliances are going to make it through the next few years.
Finding the best home protection plan for your Troy home can be hard, so our team at House Method did the research for you to help you find the best home warranty in Troy. Read on for our home warranty recommendations and find out which plan works best for your home.
The first step in protecting your property with a home warranty is determining which provider's plan is the best for you. Think about the items in your home you need coverage for and compare the plans. Before making your final decision, here are a few other factors to bear 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 make sure that all you have to pay is 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.
Filing a claim with your home warranty company is easy. There will be either an online portal system or a direct phone number to file your claim with your home warranty company. At this point, you will pay the service fee, which is usually between $60 and $150 depending on what plan you choose. After the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. 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 will cover systems and appliances from normal wear and tear. The appliances that are typically covered under a home warranty plan include refrigerator, microwave, dishwasher, clothes dryer, garbage disposal, clothes washer, and more. The systems usually included are hot water heaters, electrical systems, ductwork, plumbing systems, and air conditioners. The add-on coverages can include septic system, pool, roof leak, spa, and sometimes even things like locksmith or pest control.
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 maintain them properly, your home warranty will not cover it. Things such as pre-existing conditions, lack of maintenance, cosmetic damages, and misuse are not included in a home warranty policy.
Troy is known for its mild winters and hot summers, and if you live in Troy, 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 prevent you from spending out-of-pocket expenses.
Another added benefit of having home warranty coverage is that it can raise your home's property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new home buyers depending on the company you have your home warranty with.
There are also some drawbacks to purchasing a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that already have a manufacturer's warranty. Another pain point of home warranties is that they don't cover items that have been improperly maintained. This can lead to your claims being denied, so it's important to be sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Although home warranties do have some exclusions to keep in mind, no matter the season, a home warranty can help lower the inevitable cost of home appliances and system repairs, giving you some peace of mind.
Hopefully, you now feel as though you can choose the right home warranty for your Troy home. When it comes to home warranty companies in Troy, the best overall is Choice Home Warranty. With its comprehensive plans, affordable pricing, and a good history in the industry, Choice Home Warranty has a lot to offer.
Our pick for the best overall home warranty provider in Troy is Choice Home Warranty but the best company for you will vary based on factors such as what appliances and systems you need coverage for.
A home warranty is a of service contract that gives homeowners extra coverage for their household systems and appliances. These include dishwashers, dryers, washing machines, refrigerators, garbage disposals, water heaters, electrical systems, heating and cooling systems, plumbing, and sump pumps, among others. Some plans also provide coverage for garage door openers, roofs, ceiling fans, and pools. A home warranty can help you save money if these items break down unexpectedly.
Usually coverage for a home warranty plan begins 30 days on the day the sale closes. However, a few providers may let you file a claim before this, so verify with customer service to find the exact waiting period for your situation.
The systems and appliances in a home are covered under a home warranty plan in Troy. Everything from a fridge to a washer can be covered under a home warranty.
Most home warranties will cover replacement costs as well as repair costs. How much the coverage cap is varies from one plan to the next. You can expect that home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
Owning a home can be pricey. When a system or appliance breaks down, it can leave homeowners unexpectedly having to come up with the money to fix it. With a home warranty plan, you won't have any large hits to your savings account .