When one of your systems or appliances breaks down, a home warranty will help you cover the costs. A home warranty plan can give homeowners the peace of mind they need to feel less stressed by homeownership.
As much as you may love owning a home in Merrifield, there is always that concern about whether or not your systems and appliances are going to hold up during the next few years.
Finding the best home warranties on the market can be a challenge because of the numerous options out there. If you are frustrated with trying to compare the different options, keep reading for our guide on the best home warranty companies in Merrifield.
Picking the right home warranty in Merrifield for your family depends on the type of coverage you want, the home warranty company you opt for, and your location, among other factors. Here are some factors to consider when buying a home warranty in Merrifield:
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 have issues over time due to normal wear and tear. Having one in place can provide some peace of mind and guard your savings account from exorbitant out-of-pocket costs. Most home warranty plans take effect about 30 days after purchasing the home warranty plan.
For Merrifield homeowners, when a problem arises with a covered appliance or system, it is very straightforward to file a claim. Most home warranty providers have an online portal where a claim can be filed. At this point, you will pay your service fee, which is usually between $60 and $150 depending on what plan you select. Once the service fee is paid, a repair person will come to your home, assess the issue, and make the repair. If the repair is covered by the warranty and it's within the coverage cap, most homeowners will not have to pay any other out-of-pocket costs .
A home warranty in Merrifield typically covers the main systems and appliances in your home. Typical appliances covered under a home warranty include a garbage disposal, dishwasher, microwave, dryer, washer, refrigerator, and more. The systems that are most commonly covered will be plumbing systems, electrical systems, air conditioners, heating systems, and hot water heaters. Many plans also have add-on coverage options like locksmith, roof leaks, septic systems, and even central vacuum.
A home warranty will only protect against normal wear and tear on your home systems and appliances. Things like misuse, lack of maintenance, pre-existing conditions, and cosmetic damages are not included in the home warranty policy.
Home warranties are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Merrifield reaching upward of 64 degrees in the summer, you may find that some appliances, such as your A.C., get a lot of use. A home warranty can significantly bring down your out-of-pocket costs should your HVAC system stop working.
Another added benefit of having a home warranty policy is that it can increase your home's property 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 company you purchased your home warranty through.
Home warranties also have some cons. While it can save you time when the home warranty sends out a contractor who carries out the repair for you, some may not like this, and they would prefer to choose their own contractor. If that's important to you, some home warranty plans let you choose a contractor. Another drawback is that home warranties may not include some repairs, such as those due to natural disasters. For example, if your house floods, the systems and appliances that were impacted probably won't be covered by the home warranty.
Owning a home is a big responsibility that can be expensive, but worthwhile. A home warranty is one thing that can help with your home maintenance budget, but whether or not it's worth it for you is something you'll have to determine before getting a policy.
A home warranty in Merrifield can save you lots of money and offer you peace of mind when it comes to pricey home repairs and replacements. When it comes to home warranty company choices in Merrifield, the best overall is Choice Home Warranty. 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 provider in Merrifield is Choice Home Warranty but the perfect company for you will depend on factors like what appliances and systems you need coverage for.
Home buyers, landlords, homeowners, home sellers, and real estate agents can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save homeowners money in the long run.
Typically coverage for a home warranty begins 30 days on the day the sale closes. However, a few providers 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 a homeowner pays before a service technician or contractor comes to your home to repair your home warranty-related issue. Prices typically range between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners have with a home warranty except for the policy's premium.
A home warranty can cost on average anywhere from about $300 to $800 a year in Merrifield. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's typically less expensive to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. The key is to compare plans to determine what you're really getting for the price.