A home warranty is a way to protect your savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Bartlesville gives homeowners some great housing options and the opportunity to enjoy the sun all year round. However, those extreme temperatures can put quite a strain on your home's systems.
Since the home warranty market has many providers — all with different offerings — the House Method team decided to do the research for you to help you find the right home warranty in Bartlesville.
Now that you're ready to buy a home warranty plan, the first step is figuring out what items you want coverage for. After that, you can compare plans and contact different home warranty companies to get a free quote. When trying to decide which home warranty company is the right one for you, here are some important factors to take into account:
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 for home systems and appliances. When your HVAC stops working and the repair is several hundred dollars, a home warranty will ensure that your only cost 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.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty company. 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. Once you submit the claim, it will be assigned to a local service technician that will come to your home and take a look at the issue. At this point, you pay your service fee. Service fees usually range in price from about $60 to $150 and this is the only out-of-pocket fee you will have to pay unless the repair cost is more than your home warranty's coverage cap.
A home warranty will cover your home's systems and appliances from normal wear and tear. The appliances usually covered under a home warranty plan are the microwave, dishwasher, oven, dryer, washing machine, refrigerator, and more. System coverage typically includes plumbing, electrical systems, air conditioning, water heaters, heating systems, and more. The add-on coverage options can include septic system, spa, pool, roof leak, and sometimes even things like locksmith or pest control.
A home warranty will only cover normal wear and tear on your home systems and appliances. Things such as cosmetic damages, lack of maintenance, pre-existing conditions, and misuse are not included in the home warranty policy.
Bartlesville is known for its hot summers, and if you live in Bartlesville, you know that those summers can be tough. 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 give out, a home warranty can cover the repairs and help cut back on your out-of-pocket expenses.
Another added benefit of having a home warranty policy is that it can raise your home's real estate 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 provider you have your home warranty with.
Home warranties also have some downsides. While it can be convenient that the home warranty sends out a repair technician who does the repair for you, some may not like this, and they would prefer to select a contractor themselves. If that's important to you, some home warranty plans let you select a contractor. Also, if you don't maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
Although home warranties do have some drawbacks, whether during winter, summer, or the months in between, a home warranty can help mitigate the inevitable hassle of home appliances and system repairs, giving you some peace of mind.
Hopefully, this review of Bartlesville's top home warranty companies has helped you narrow down your choices and find the best plan for you. Choice Home Warranty stands out as the best overall provider. With its comprehensive coverage, affordable pricing, and a good reputation in the industry, Choice Home Warranty has a lot to offer.
The best overall home warranty company in Bartlesville is Choice Home Warranty but the right company for you will depend on factors like what appliances and systems you need coverage for.
Home warranty policies cover problems related to systems and appliances that need repairs or replacements due to normal wear and tear. The homeowner's insurance policy is a different insurance that protects your entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system damage.
Most home warranty providers have a 30-day waiting period before you can file claims, but some may let you file sooner so make sure you check with the company about this.
Home warranties cover the cost of repairs and replacements if it is within the policy limits of the plan. If the replacement costs more than the home warranty plan covers, you will have to pay the rest out of pocket.