A home warranty is a way to protect your budget from unexpected large expenses. With a home warranty in place, your repair costs can be remarkably lower and give you some peace of mind.
White Oak is a great place to buy a home. However, along with all the positives of homeownership, there are usually a few downsides, too. One of the biggest challenges for many homeowners is that systems and appliances can stop working suddenly.
Because 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 best home warranty in White Oak.
Determining the right company for your home warranty is a step you could take to protect your property. When trying to figure out which home warranty provider is the best one 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 makes it more affordable when one of your home systems or appliances experiences an issue. A home warranty can help homeowners who need to keep a budget in place and don't want to dip into their savings to pay for large repair or replacement expenses. Typically about 30 days after buying a home warranty plan, the coverage will start on your home systems and appliances.
When one of your systems or appliances has an issue, you file a claim with your service provider. You can do so in an online portal or by calling them, and then a contractor will come and fix the problem. The claim is then processed, and a homeowner will pay a service fee to schedule the repair for their home. This repair will generally 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 in White Oak typically covers the main systems and appliances in the house. Typical appliances covered under a home warranty include a washer, dishwasher, refrigerator, dryer, garbage disposal, microwave, and more. The systems that are most commonly covered will be air conditioners, electrical systems, plumbing systems, hot water heaters, and heating systems. Add-on coverage options can vary from one plan to another but commonly include things like a second refrigerator, septic system, sprinkler system, central vacuum, and plumbing stoppages.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and follow preventative maintenance guidelines, your home warranty will not cover it. Things like misuse, lack of maintenance, pre-existing conditions, and cosmetic damages are excluded from a home warranty policy.
White Oak is known for its mild winters and hot summers, and if you live in White Oak, 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. In the event that your air conditioner did break down, a home warranty can cover repairs and help cut back on your 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 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.
One of the main drawbacks of home warranties is not every home system and appliance you care about may be covered. It's important to weigh the different policies and select one that covers all the appliances, systems, and add-ons you need. Another potential 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.
A home warranty can help with some of a homeowner's maintenance concerns, but ultimately, it's up to you to decide whether or not investing in one is a good move for you and your family. Be sure to do your research and read over any home warranty policy that you're considering getting to get a sense of what repairs will and will not be covered under your contract.
Hopefully, you now feel as though you can choose the right home warranty for your White Oak home. Choice Home Warranty stands out as the best overall company. Its comprehensive coverage, affordable pricing, and easy to understand policies make it a great home warranty for White Oak homeowners.
The best home warranty company in White Oak is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced contractors and a respected reputation in the White Oak area.
A home warranty is a type of service contract designed to give homeowners extra coverage for their household systems and appliances. These include garbage disposals, washing machines, dryers, refrigerators, dishwashers, sump pumps, plumbing, water heaters, electrical systems, and heating and cooling systems, among others. Some companies also provide coverage for ceiling fans, pools, garage door openers, and roofs. A home warranty can help you save money if these items fail unexpectedly.
Usually coverage for a home warranty policy begins 30 days on the day the sale closes. However, a few providers may allow you to make a service request before this, so check with customer service to find the exact waiting period for your situation.
A service fee is a cost that a homeowner must pay before a service technician or contractor comes to your home to fix 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 cost that homeowners have with a home warranty in place apart from the policy's premium.
Owning a home can be pricey. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty plan, you will not have any large hits to your bank account .