A home warranty in Springfield can help cut your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop functioning due to normal wear and tear.
Springfield is a city that has so much culture, great weather, and some great homes. Homeownership in Springfield has many benefits associated with it, but some negatives come hand in hand with it as well. For one, ensuring that your home's systems and appliances stay up to date can make Springfield homeownership quite difficult.
Although a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the perfect choice for your Springfield home. That's why we've done the research and have made a list of the best home warranty companies in Springfield.
Choosing the best home warranty in Springfield for your family depends on the coverage you want, the home warranty company you opt for, and your location, among other factors. Before making your final decision, here are a few additional 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.
Get a free quote from our #1 recommended provider in Springfield
A home warranty is a service contract that makes it more affordable when one of your home systems or appliances breaks down. 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, the coverage will start on your home systems and appliances.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty provider. Most companies have an online portal 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 repair technician that will come to your home and assess the problem. At this point, you pay the service fee. Service fees usually range in price from around $60 to $150 and this is the only out-of-pocket cost you will need to pay unless the repair cost is more than your home warranty's coverage cap.
A home warranty plan offers coverage on your home's major appliances and systems and it can help reduce how much you spend on maintaining your home. Typical appliances covered by a home warranty plan include a microwave, washer, garbage disposal, dishwasher, dryer, refrigerator, and more. The systems that are most commonly covered will be hot water heaters, heating systems, air conditioners, plumbing systems, and electrical systems. The add-on coverages can include pool, roof leak, septic system, spa, and sometimes even things like locksmith or pest control.
A home warranty will only protect against normal wear and tear on your home systems and appliances. Things such as lack of maintenance, pre-existing conditions, cosmetic damages, and misuse are not included in the home warranty policy.
Springfield is known for its hot summers, and if you live in Springfield, you know that those summers can be rough. During the summer months, your air conditioner can be overworked in its effort to combat the heat. If 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 home warranty coverage is that it can increase your home's real estate 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.
Home warranties also have some cons. Though it can give you less to worry about since the home warranty sends out a repair person who handles the repair for you, some people may not like this, and they would prefer to select their own contractor. If that's the case for you, some home warranty companies let you select a contractor. Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They commonly won't cover home systems or appliances that have stopped working due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty can help ease some of a homeowner's maintenance concerns, but in the end, it's up to you to decide if investing in one is the right choice for you and your family. Be sure to do your research and read through any home warranty contracts that you're seriously considering getting to understand what repairs will and will not be covered under your contract.
We hope you now feel positive that you can choose a home warranty company in Springfield after reading our reviews. Choice Home Warranty stands out as the best overall company. Its comprehensive coverage, fair pricing, and easy to understand policies make it a great home warranty for Springfield homeowners.
The top home warranty provider in Springfield is Choice Home Warranty. Choice Home Warranty has a large network of professional repair technicians and a respected reputation in the Springfield area.
A home warranty is a contract that covers the repairs and replacements of your major home system components and appliances.
First-time home buyers, home sellers, landlords, homeowners, and real estate agents are all eligible for home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save homeowners money in the long run.
A service fee is an expense that a homeowner pays before a repair person or contractor comes to your home to repair your home warranty-related problem. Prices typically range 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 in place apart from the monthly premium/annual cost.
A home warranty can cost on average about $300 to $800 a year in Springfield. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's usually cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, going with the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best value is.