When one of your systems or appliances stops working, a home warranty will step in and help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less overwhelmed by homeownership.
With hot summers, keeping your home appliances and systems working, specifically HVAC, are extremely important for homeowners in the Stillwater area of Oklahoma.
Although a home warranty can help with your expenses as a homeowner, one issue is narrowing down the right choice for your Stillwater home. That's why we've done the research and have put together a guide of the top home warranty options in Stillwater.
Picking the best home warranty in Stillwater for you depends on the coverage you need, the home warranty provider you go with, and where you live, among other factors. Policies can vary, so consider the following factors when picking a home warranty plan:
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 refrigerator stops working and the repair will cost several hundred dollars, a home warranty will ensure that all you have to pay is a predetermined service fee. Home warranty coverage usually starts without an inspection and generally goes into place about thirty days after making your first payment.
Filing a claim with your home warranty company is quite simple. 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. Service fees for home warranties range in price from $60 to $150. Most home warranties also have a coverage cap, which is the maximum cost per year or appliance that the home warranty plan will cover for repairs and replacements.
A home warranty will cover systems and appliances from normal wear . The appliances covered include a clothes dryer, dishwasher, stove, refrigerator, clothes washer, microwave, cooktop, and more. The systems included are the plumbing, electrical, water heater, heating system, air conditioner, and more. Add-on options can vary by company but often include things such as a septic system, plumbing stoppages, central vacuum, sprinkler system, and second refrigerator.
Stillwater homeowners should understand that a home warranty policy will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like misuse of a system or appliance, cosmetic issues, natural disasters, or pre-existing conditions. You need to keep up with preventative maintenance on your home systems and appliances to be sure that your next repair or replacement-related complication will be covered by the policy.
Since temperatures in Stillwater can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Getting a home warranty can help homeowners save money if one of these systems or appliances breaks down suddenly.
A home warranty can also provide value in other ways. For example, some policies can be transferred between owners during a home sale.
There are also some drawbacks to getting a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty. Another thing to consider is that some providers don't cover pre-existing damage and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about this if you aren't sure or if this is a problem for you.
Although home warranties do have some downsides, whether during winter, summer, or the months in between, a home warranty can help lower the inevitable cost of dealing with home appliances and system repairs, giving you a little peace of mind.
Hopefully, this review of Stillwater's best home warranty options has helped you narrow down your choices and decide on a plan. All of these top home warranty providers have impressive histories and backgrounds and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. Choice Home Warranty offers home warranties with great coverage at an affordable price.
The best home warranty provider in Stillwater is Choice Home Warranty. Choice Home Warranty a large network of professional contractors and a respected reputation in the Stillwater area.
Home warranty plans cover issues with home systems and appliances that need repairs or replacements due to normal wear and tear. The homeowner's insurance policy is a different plan that protects one's entire home from situations like natural disasters and fires. It doesn't cover typical appliance or system repairs.
Most home warranty policies have a 30-day waiting period before you can file claims, but some may allow you to file sooner so be sure to check with the company about this.
Most home warranties cover replacement costs in addition to repair costs. The coverage cap varies from one plan to the next. Home warranties will give you some money towards a replacement but the entire replacement may not be paid for.