A Clarksburg home warranty plan can help protect you by covering major repairs and replacements on your home's appliances and systems.
Homeownership in Clarksburg comes with lots of benefits, but it also does not come without its difficulties. Your home's appliances and systems will inevitably need repair and this could mean a huge expense hitting your bank account suddenly.
Even though a home warranty can help with your homeowner concerns, one issue is narrowing down the best choice for your Clarksburg home. That's why we've done the research and have made a guide of the best home warranty options in Clarksburg.
Selecting the right provider for your home warranty is the first step toward protecting your house. Here is a list of factors that you'll want to bear in mind 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.
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A home warranty is a service contract that makes it more affordable 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 purchasing a home warranty plan, the coverage will start on your home systems and appliances.
When one of your systems or appliances has a problem, you file a claim with your service provider. You can do so in an online portal or by calling them, and then a repair technician will come and fix the problem. The claim is then processed, and a homeowner will pay the service fee to schedule the repair for their home. This repair will generally happen within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees range between $60 and $150.
A home warranty plan will cover home systems and appliances from normal wear and tear. The appliances a home warranty typically covers include a dishwasher, clothes dryer, stove, cooktop, clothes washer, microwave, refrigerator, and more. The systems included are the air conditioner, plumbing, heating system, electrical, water heater, and more. You can also optionally opt to pay a bit extra for add-on coverage for items such as septic systems, swimming pools, roof warranty, and spas.
A home warranty will only cover normal wear and tear that occurs on your home systems and appliances. Things such as cosmetic damages, lack of maintenance, misuse, and pre-existing conditions are not included in the home warranty policy.
Clarksburg is known for its mild winters and hot summers, and if you live in Clarksburg, you know that the weather can be unpredictable. During the summer months, your air conditioner can be overloaded in its effort to combat the heat. In the event that your air conditioner did break down, a home warranty can cover the repairs and prevent you from spending out-of-pocket expenses.
Another good thing about having a home warranty if you want to sell your home is that you can probably transfer your home warranty to the new owners. This can make your home more attractive to potential home buyers and may help your home sell faster.
As for the negatives of home warranties, system and appliance coverage varies by company so it's important to understand what each policy covers and excludes in the contract. Another consideration is that home warranties typically only cover repairs needed due to normal wear and tear. They most likely won't cover home systems or appliances that have been damaged due to animal infestations, improper maintenance, natural disasters, etc.
It can be difficult to budget for the unexpected expenses that can come with homeownership, but a home warranty can help you with that. Similar to any other warranty or insurance policy, there will always be benefits and drawbacks of getting one but its main purpose is to provide protection and peace of mind.
Hopefully, you now feel as though you can select the proper home warranty for your Clarksburg home. All of these top companies have impressive experience in the industry and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. With its comprehensive plans, affordable pricing, and a good history in the industry, Choice Home Warranty has a lot to offer.
Our pick for the best overall home warranty in Clarksburg is Choice Home Warranty but the right company for you will depend on factors such as what appliances and systems you need coverage for.
A home warranty covers the normal wear of home systems and appliances. Homeowners insurance protects your entire home in a situation such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim should you need a new washing machine or stove, unless the damage is due to a natural disaster.
Usually coverage for a home warranty begins 30 days on the day the sale closes. However, a few companies may allow you to file a claim before this, so verify with customer service to find the exact waiting period for your case.
A home warranty plan 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.
A service fee is a cost that a homeowner pays before a repair person or contractor comes to your home to repair your home warranty-related issue. The pricing is typically between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty in place except for the monthly premium/annual cost.
A Clarksburg home warranty can cost between $40 and $80 a month. The higher-priced plans typically have more coverage, higher coverage limits, and a lower service fee.