A Chattanooga home warranty plan can help protect you by lowering the costs of major repairs and replacements on your home's appliances and systems.
As much as you may love owning a home in Chattanooga, there is always that worry 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 challenging since there are dozens of companies to decide between. That's why the House Method team did the research and put together a list of the best home warranty companies in Chattanooga for you.
Once you're ready to buy a home warranty policy, the first step is figuring out what items you want coverage for. From there, you can compare plans and contact different home warranty providers for a free quote. Options can vary, so consider the following factors when choosing 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 service contract that covers the cost of repairing or replacing major home systems and appliances when they stop working over time due to normal wear and tear. Having a home warranty in place can give you some peace of mind and prevent you from paying unexpected out-of-pocket costs. Most home warranty plans take effect about 30 days after purchasing the home warranty.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty company. Most companies have an online portal where you can do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. The claim is then processed, and a homeowner will pay the predetermined service fee to schedule the repair for their home. This repair will usually 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 plan offers coverage on your home's major appliances and systems and it can help bring down how much you spend on maintaining your home. Appliances covered under a home warranty plan are usually the microwave, dryer, refrigerator, garbage disposal, dishwasher, and more. Systems that are covered usually include heating systems, water heaters, electrical systems, plumbing systems, and air conditioners. Many home warranty plans also offer add-on coverage options like septic systems, locksmith, roof leaks, and even central vacuum.
An important thing to consider is that home warranties only cover normal wear and tear on your home systems and appliances. Things like pre-existing conditions, misuse, cosmetic damages, and lack of maintenance are not included in the home warranty policy.
Since temperatures in Chattanooga can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Buying a home warranty plan can help homeowners save money if one of these systems or appliances stops working all of a sudden.
Plus, having a Chattanooga home warranty can make your house more attractive to potential home buyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the same protection you've been benefiting from.
One disadvantage of purchasing a home warranty is that there are generally exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it's important to read through the contracts you're considering thoroughly to understand what is included and what isn't. Another downside is that home warranties may exclude some repairs, such as those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the systems and appliances that were impacted most likely won't be covered by the home warranty.
Although home warranties do have some exclusions to keep in mind, no matter the season, a home warranty can help cut back on the inevitable expense of home appliances and system repairs, giving you some peace of mind.
A home warranty can save you several thousands of dollars on home repairs and give you peace of mind as a homeowner in Chattanooga. Choice Home Warranty stands out as the best overall home warranty. It offers great coverage at an affordable premium. However, other home warranties mentioned above also give great coverage choices for Chattanooga residents.
The best overall home warranty provider in Chattanooga is Choice Home Warranty but the best company for you will depend on factors such as what appliances and systems you need coverage for.
Home warranties cover problems with home systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a larger insurance that protects your entire home from natural disasters and fires. It doesn't cover typical appliance or system breakage.
A home warranty can help homebuyers, real estate agents, home sellers, homeowners, and investors. It can provide peace of mind and savings to anyone involved in homeownership.
Usually coverage for a home warranty policy begins 30 days on the day the sale closes. However, a few companies may allow you to make a service request before this, so verify with customer service to find the exact waiting period for your case.
A service fee is an expense that you pay before a service technician or contractor comes to your home to fix your home warranty-related problem. The pricing is typically between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty except for the monthly premium/annual cost.
A Chattanooga home warranty can cost between $40 and $80 a month. The higher-priced plans tend to have higher coverage limits, more coverage, and a lower service fee.