A home warranty can give you the peace of mind you need about your home and protect your savings account from large expenses by covering your home's major systems and appliances.
With a relatively mild climate, Smithfield is a great place to own a home. However, homeownership doesn't always come easy, like maintaining your home's systems and appliances.
Since the home warranty market is saturated with a lot of providers — all with different price points — our team at House Method did the research for you to help you find the best home warranty in Smithfield.
After researching the basics of home warranties in Smithfield, the next step is to determine which company you want to receive a free quote from. Here is a list of some factors to consider when buying a home warranty in Smithfield:
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 reduces the cost of repairs when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to stick to their budget and don't want to use their savings to pay for large repair or replacement expenses. Typically about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
For Smithfield homeowners, when an issue arises with a covered appliance or system, it is very easy to file a claim. Most home warranty providers have an online portal system where you can submit a claim. At this point, you will pay your service fee, which is typically between $60 and $150 depending on what plan you opt for. Once the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. As long as the repair is covered under the warranty and the coverage cap is not reached, most homeowners will not have to pay any other out-of-pocket costs apart from the service fee.
Home warranty plans help protect both your home systems and appliances. A home warranty can cover repairs and replacements that are a result of normal wear . The appliances covered include a refrigerator, clothes dryer, stove, cooktop, microwave, clothes washer, dishwasher, and more. The systems included are the electrical, heating system, water heater, plumbing, air conditioner, and more. You can also opt to pay extra for add-on coverage for items such as spas, roof warranty, swimming pools, and septic systems.
An important thing to consider is that home warranties only protect against normal wear and tear on your home systems and appliances. Things such as pre-existing conditions, lack of maintenance, cosmetic damages, and misuse are not included in the home warranty policy.
Smithfield's hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty will cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending unexpected money out of pocket.
Not only can a Smithfield home warranty save you money on repairs and replacements, it saves you time as well. Instead of needing to vet service technicians yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them.
One of the major drawbacks of home warranties is not everything may be covered. It's important to research the different plans and purchase one that covers all the appliances, systems, and add-ons you need. Another stipulation is that home warranties usually only cover malfunctions due to normal wear and tear. They often won't cover systems or appliances that have been damaged due to improper maintenance, animal infestations, natural disasters, etc.
Whether or not a home warranty is worth it ultimately comes down to your personal preference. Like any other kind of insurance policy or warranty, it's there to give you a sense of protection, so you will have to decide how much that is worth to you.
Hopefully, you now feel like you can choose the best home warranty for your Smithfield home. Choice Home Warranty stands out as the best overall provider. It offers great and comprehensive coverage of all the essential home appliances and systems at an affordable cost with several optional add-ons.
The best home warranty provider in Smithfield is Choice Home Warranty. Choice Home Warranty has an expansive network of professional technicians and a tremendous reputation in the Smithfield area.
A home warranty can help real estate agents, homebuyers, home sellers, investors, and homeowners. It can offer peace of mind and savings to anyone that is involved with homeownership.
Typically coverage for a home warranty plan begins 30 days on the day the sale closes. However, a few providers may let you file a claim before this, so verify with customer service to find the exact waiting period for your case.
A home warranty policy will cover repair and replacement costs for home systems and appliances. Home warranties will not cover the intentional breaking of an appliance or something that happened as a result of a pre-existing condition.
Many homeowners feel like a home warranty is worth the money since it helps protect against unforeseen expenses. If you're worried about your budget and your ability to keep your home in good working order, getting a home warranty can help. One of the major advantages of a home warranty is that it can provide you some financial peace of mind.