A home warranty in Charleston can help decrease your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
Although homeownership in Charleston has a great number of benefits, such as life in a vibrant city, there are also downsides, similar to owning a house anywhere else. One major headache many homeowners have to deal with at some point is replacing or repairing their appliances and home systems.
Choosing the best home warranties on the market can be challenging because of the numerous options out there. If you are overwhelmed by trying to compare the different options, keep reading for our guide on the best home warranty companies in Charleston.
When you're ready to sign up for a home warranty, the first step is considering what items you want coverage for. After that, you can compare plans and call different home warranty providers to get a free quote. Before making your final decision, here are a few other factors to keep 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 coverage plan that helps homeowners cut back on the high costs of appliance and systems repairs. Home warranties will provide coverage for a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. Having a home warranty in place can make it easier to budget and manage your finances. Home warranty plans generally have a thirty-day waiting period from the time you pay to the time you can file your first claim.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty provider. Most companies have an online portal where you can do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. Once you file the claim, it will be assigned to a local repair technician that will come to your home and take a look at the issue. At this point, you pay the service fee. Service fees typically range in price from around $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 Charleston typically covers the main systems and appliances in your house. The appliances that are usually covered under a home warranty include dishwasher, microwave, garbage disposal, refrigerator, clothes washer, clothes dryer, and more. The systems usually included are electrical systems, hot water heaters, plumbing systems, air conditioners, and ductwork. Many home warranty plans also offer add-on coverage options like roof leaks, septic systems, central vacuum, and even locksmith.
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 appliances or systems and follow preventative maintenance guidelines, the home warranty will not cover it. Things like lack of maintenance, misuse, pre-existing conditions, and cosmetic damages are excluded from a home warranty policy.
Home warranty policies are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Charleston hitting upward of 63 degrees in the summer, you may find that certain appliances, such as your A.C., get a lot of use. A home warranty can remarkably bring down your out-of-pocket costs should your HVAC system stop working.
Another added benefit of having home warranty coverage is that it can increase your home's property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new home buyers depending on the provider you have your home warranty with.
One downside of a home warranty is that there are generally exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may be excluded from the home warranty, so it's important to read over the contracts you're considering carefully to get a sense of what is included and what isn't. Another thing to keep in mind is that some providers don't cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty provider for clarification about it if you aren't sure or if this is a problem for you.
Homeownership is a big responsibility that can be costly, but worthwhile. A home warranty is one thing that can help with your home maintenance budget, but its worth for you is something you'll have to consider before taking the leap and getting a policy.
Hopefully, this review of Charleston's best home warranty providers has helped you narrow down your choices and decide on a plan. Choice Home Warranty stands out as the best overall company. With its comprehensive coverage, fair pricing, and a good history in the industry, Choice Home Warranty has a lot to offer.
The best home warranty company in Charleston is Choice Home Warranty. Choice Home Warranty has an expansive network of professional contractors and a respected reputation in the Charleston area.
A home warranty helps protect against the normal wear of systems and appliances in a home. Homeowners insurance protects your home in a situation such as a natural disaster or fire. Under homeowners insurance, you will not be able to file a claim should you need a new refrigerator or stove, unless the damage is due to a natural disaster.
A home warranty will cover repair and replacement costs for home systems and appliances. Home warranties only cover damage due to normal wear and tear and usually don't cover something that happened as a result of a pre-existing condition.
A home warranty in Charleston can cost anywhere from $40 to $80 a month. The higher-priced plans tend to have more coverage, a lower service fee, and higher coverage limits.
Many homeowners think a home warranty is worth the money because it can help protect against unforeseen expenses. If you're worried about your finances and home maintenance, getting a home warranty can help. One of the big pluses of a home warranty is that it can provide you some financial peace of mind.