A home warranty can give you the peace of mind you need about your home and guard your savings account from large expenses by covering your home's major systems and appliances.
Homeownership in Wakefield can be a gratifying stage in many people's lives, but it also comes with its fair share of difficulties. Home repairs can be an unforeseen financial burden for many homeowners.
Although a home warranty can help with your homeowner headaches, one pain point is narrowing down the perfect choice for your Wakefield home. That's why we've done the research and have put together a guide of the best home warranty companies in Wakefield.
The first step in protecting your home with a home warranty is determining which provider's plan fits your needs. Think about the items in your home you need coverage for and compare the plans. Policies can vary, so take into consideration the following factors when choosing a home warranty provider:
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 Wakefield
A home warranty is a plan that can help homeowners save money on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Wakefield home comfortable and convenient. When they start to break down, it can be pricey and a headache. Fortunately, with a home warranty plan, an affordable repair is just a phone call away.
When you have an issue with one of your appliances or systems, you can file a claim with your home warranty company. Then, a customer service representative will reach out to you about a repair technician coming over to look at the problem. At this point, you will pay your service fee, which is usually between $60 and $150 depending on what plan you choose. Once the service fee is paid, a repair person will come to your home, assess the issue, and make the repair. As long as the repair is covered under the warranty and it's within the coverage cap, most homeowners will not have any other out-of-pocket costs after the service fee is paid.
A home warranty plan will cover systems and appliances that have broken down from normal wear and tear. For example, if your washing machine suddenly needs repairs under normal use conditions, you can call your home warranty company. Typical appliances covered under a home warranty include a dishwasher, refrigerator, garbage disposal, dryer, microwave, washer, and more. The systems that are most commonly covered will be air conditioners, hot water heaters, plumbing systems, heating systems, and electrical systems. Many home warranty plans also provide add-on coverage options like central vacuum, roof leaks, locksmith, and even septic systems.
A home warranty will only cover normal wear and tear on your home systems and appliances. Things such as pre-existing conditions, cosmetic damages, lack of maintenance, and misuse are excluded from the home warranty policy.
Home warranties are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Wakefield hitting upward of 64 degrees in the summer, you may find that some appliances, like your air conditioning system, get a lot of use. A home warranty can remarkably lower your out-of-pocket costs should your HVAC system stop working.
Additionally, having a Wakefield home warranty can make your house more appealing to potential home buyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you've been getting.
Home warranties also have some drawbacks. Though it can save you time when the home warranty sends out a repair person who handles the repair for you, some homeowners may not like this, and they would prefer to select a contractor themselves. If that's important to you, some home warranty companies let you select a contractor. Another possible pain point of home warranties is that they don't cover items that have been improperly maintained. This can lead to your claims being denied, so it's important to make sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Whether or not a home warranty is worth it ultimately depends on your personal situation. Similar to any other type of insurance policy or warranty, it's there to provide 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 select the proper home warranty for your Wakefield home. All of these top home warranty providers have impressive experience in the industry and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. It offers comprehensive coverage of all the essential home systems and appliances at an affordable cost with several add-on options.
Our pick for the best overall home warranty in Wakefield is Choice Home Warranty but the perfect company for you will vary based on factors like what appliances and systems you need coverage for.
A home warranty is a of service contract that provides homeowners extra coverage for their household systems and appliances. These include washing machines, dishwashers, refrigerators, garbage disposals, dryers, electrical systems, plumbing, heating and cooling systems, sump pumps, and water heaters, among others. Some plans also offer coverage for roofs, ceiling fans, garage door openers, and pools. A home warranty can help you save money if these items break down unexpectedly.
A home warranty plan covers the normal wear and tear of systems and appliances in a home. Homeowners insurance protects your entire home in a situation such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim if you need a new dryer or dishwasher, unless the damage is a result of a natural disaster.
Home buyers, landlords, real estate agents, home sellers, and homeowners can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save homeowners money in the long run.
Most home warranties cover replacement costs as well as repair costs. The coverage cap varies from one plan to the next. Home warranties will give you some money towards a replacement but the entire replacement may not be paid for.
A home warranty can cost on average anywhere from about $300 to $800 a year in Wakefield. 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 typically cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. It's important to compare plans to determine what you're really getting for the price.