A home warranty can offer you the peace of mind you need about your home and shield your bank account from large expenses by covering your home's major systems and appliances.
With the cold winters common in Bellingham, homes can experience quite a bit of wear and tear over time. There's nothing worse than having your heater go out in the middle of winter.
Even though a home warranty can help with your homeowner headaches, one issue is narrowing down the right choice for your Bellingham home. That's why we've done the research and have compiled a guide of the top home warranty options in Bellingham.
Selecting the best company for your home warranty is the first step toward protecting your house. Below are some tips on buying a home warranty in Bellingham:
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 Bellingham
A home warranty is a service contract that reduces the cost of repairs when one of your home systems or appliances experiences a complication. A home warranty can help homeowners who need to stick to their budget and don't have the savings to pay for large repair or replacement expenses. Typically about 30 days after purchasing a home warranty plan, the coverage will start on your home systems and appliances.
When you notice a problem with one of your appliances or systems, you can submit a claim with your home warranty company. Then, a customer service representative will contact you about a contractor coming over to look at the issue. The claim is then processed, and a homeowner will pay a service fee to schedule the repair . This repair will usually happen within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees are between $60 and $150.
Home warranty plans help protect both your home systems and appliances. A home warranty can cover repairs and replacements that are due to normal wear and tear. Typical appliances covered by a home warranty plan include a refrigerator, dishwasher, microwave, dryer, washer, garbage disposal, and more. The systems that are most commonly covered will be hot water heaters, electrical systems, heating systems, air conditioners, and plumbing systems. Add-on coverage will vary from one plan to another, but you can expect to see things such as sump pumps, roof leaks, electronics, central vacuums, spas, and pools.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your home and follow preventative maintenance guidelines, the home warranty will not cover it. Things like lack of maintenance, misuse, cosmetic damages, and pre-existing conditions are not covered by a home warranty policy.
Since temperatures in Bellingham can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Buying a home warranty can help homeowners save money if one of these systems or appliances stops working unexpectedly.
Not only can a home warranty provide some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a technician and schedule a repair. A home warranty handles this process by sending trusted professionals to your door when you need them most.
There are also some negatives to buying a home warranty policy, like the coverage exclusions. For example, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty. Additionally, if you don't maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty can be the solution to some of a homeowner's maintenance worries, but ultimately, it's up to you to determine if investing in one is a good move for you and your family. Make sure you do your research and read through any home warranty plans that you're seriously considering purchasing to get a sense of what repairs will and will not be covered under your contract.
Hopefully, you now feel confident that you can choose a home warranty provider in Bellingham after reading our reviews. American Home Shield is the best overall home warranty provider in Bellingham. Its comprehensive coverage, affordable pricing, and easy to understand policies make it a great home warranty for Bellingham homeowners.
The top home warranty provider in Bellingham is American Home Shield. American Home Shield an expansive network of experienced service technicians and a tremendous reputation in the Bellingham area.
A home warranty protects against the normal wear of home systems and appliances. A homeowners insurance plan protects your home in a situation like a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim should you need a new washing machine or dishwasher, unless the damage is due to a natural disaster.
The systems and appliances in a home are covered under a home warranty plan in Bellingham. Everything from a stove to a garage door can be covered under a home warranty.
A home warranty policy can cost on average around $300 to $800 a year in Bellingham. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. Additionally, it's usually 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, going with the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best value is.