When one of your systems or appliances breaks down, a home warranty will step in and help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less stressed by homeownership.
There are many perks of owning a home in Gainesville. However, major home systems and appliances, like your electrical systems and refrigerator, can break down due to normal wear and tear, leaving you with expensive repairs.
Even though a home warranty can help with your expenses as a homeowner, one issue is narrowing down the right choice for your Gainesville home. That's why we've done the research and have put together a guide of the best home warranty plans in Gainesville.
The first step in protecting your home with a home warranty is determining which company's plan is right for you. Figure out which items in your home you'd like coverage for and compare the plans. Before deciding which home warranty to buy, here are a few other 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.
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A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they break down over time due to normal wear and tear. Having one in place can give you some peace of mind and prevent you from paying big out-of-pocket costs. Most home warranty plans take effect about 30 days after buying the home warranty policy.
When one of your systems or appliances experiences a problem, you file a claim with your service provider. You can do so online or by calling them, and then a contractor will come and fix the problem. Once you submit the claim, it will be assigned to a local technician that will come to your home and repair the problem. 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 cost you will need to pay unless the repair cost is more than your home warranty's coverage limit.
A home warranty in Gainesville typically covers the main systems and appliances in your house. Appliances covered under a home warranty plan are the garbage disposal, microwave, refrigerator, dishwasher, dryer, and more. Systems that are covered usually include water heaters, air conditioners, electrical systems, plumbing systems, and heating systems. You can also opt to pay a bit extra for add-on coverage for items like spas, swimming pools, roof warranty, and septic systems.
A Gainesville home warranty will only cover repairs and replacements due to normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, natural disasters, intentional breakages, and pre-existing conditions are not covered with a Gainesville home warranty.
Home warranty policies are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Gainesville reaching upward of 64 degrees in the summer, you may find that certain appliances, like your A.C., get a lot of use. A home warranty can significantly bring down your out-of-pocket expenses should your HVAC system break down.
Additionally, having a Gainesville home warranty can make your house more attractive to potential home buyers if you ever decide to sell later. Many home warranty companies will allow you to transfer your plan to a new owner and give them the protection you've been getting.
As for the drawbacks of home warranties, coverage varies by provider so it's important to read what each policy covers and doesn't include in the contract. Additionally, if you don't maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
Whether or not a home warranty is worth it comes down to your personal situation. Like any other sort of insurance policy or warranty, its purpose is to provide you a sense of protection, so you will have to decide how much that is worth to you.
Hopefully, this review of Gainesville's best home warranty providers has helped you narrow down your choices and ultimately find the right plan for you. Choice Home Warranty stands out as the best overall choice. It offers great and comprehensive coverage of all the essential home appliances and systems at an affordable cost with several add-on options.
The top home warranty company in Gainesville is Choice Home Warranty. Choice Home Warranty has a large network of experienced repair technicians and a great reputation in the Gainesville area.
A home warranty protects against the normal wear and tear of home systems and appliances. A homeowners insurance plan protects the entire home in case of something such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim if you need a new washing machine or oven, unless the damage is a result of a natural disaster.
A home warranty policy can help homebuyers, real estate agents, home sellers, homeowners, and investors. It can provide peace of mind and savings to anyone involved in homeownership.
Home warranties will cover the cost of repairs and replacements if it is within the coverage cap of the plan. If the replacement will cost more than the home warranty covers, you will have to pay the rest out of pocket.
The service fee is the price you pay each time there's an issue with a system or appliance. The service fees are commonly priced between $60 and $150.