A home warranty in Cottage Grove 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.
There are many perks of owning a home in Cottage Grove. However, major home systems and appliances, like your plumbing and refrigerator, can break down due to normal wear and tear, leaving you with pricey repairs.
Because the home warranty market is filled with a lot of providers — all with different plans — the House Method team did the research for you to help you find the right home warranty in Cottage Grove.
The first step in protecting your house with a home warranty is determining which provider's plan fits your needs. Consider the items in your home you'd like coverage for and compare the plans. When figuring out which home warranty company is the best fit for you, here are some important 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 protection plan for home systems and appliances. When your HVAC breaks down and the repair costs several hundred dollars, a home warranty will ensure that all you have to pay is a predetermined service fee. Home warranty coverage often starts without an inspection and you can generally start using it about thirty days after purchasing the policy.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty provider. Most companies have an online portal system where you can do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. After that, you will pay the service fee. Service fees for home warranty customers range in price from $60 to $150. Most home warranties also have a coverage cap, which is the maximum amount per year that the home warranty plan will cover for repairs and replacements.
A home warranty plan provides coverage on your home's major appliances and systems and it can help reduce the cost of maintaining your home. Typical appliances covered under a home warranty include a dishwasher, dryer, refrigerator, washer, garbage disposal, microwave, and more. The systems that are most commonly covered will be air conditioners, plumbing systems, hot water heaters, electrical systems, and heating systems. You can also decide to pay extra for add-on coverage for items like roof warranty, spas, septic systems, and swimming pools.
An important thing to note is that home warranties only protect against normal wear and tear that occurs on your home systems and appliances. Things such as pre-existing conditions, lack of maintenance, misuse, and cosmetic damages are not included in the home warranty policy.
Cottage Grove is known for its cold winters, and if you live in Cottage Grove, you know that the weather can be unpredictable. During the winter months, your heating system can be overworked in its effort to combat the cold. In the event that your heater did stop working, a home warranty can cover repairs and prevent you from spending out-of-pocket expenses.
Another good thing about having a home warranty when you're selling your home is that you can probably transfer your home warranty policy to the new owners. It can make your home more attractive to potential home buyers and help your home sell faster.
There are also some downsides to getting a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered by a manufacturer's warranty. Another consideration is that home warranties usually only cover damage from normal wear and tear. They most likely won't cover home systems or appliances that have been damaged due to natural disasters, animal infestations, improper maintenance, etc.
It can be challenging to budget for the unexpected expenses that can come with owning a home, but a home warranty can help with that. As with any sort of warranty or insurance policy, there will always be advantages and disadvantages of getting one but its main purpose is to offer you protection and peace of mind.
Hopefully, you now feel confident that you can choose a home warranty in Cottage Grove after reading our guide. When it comes to home warranties in Cottage Grove, the best overall is Choice Home Warranty. Choice Home Warranty offers home warranties with comprehensive coverage at an affordable price.
Our pick for the best overall home warranty in Cottage Grove is Choice Home Warranty but the best company for you will vary based on factors like what appliances and systems you need coverage for.
A home warranty is a service contract that covers repairing and replacing your major home system components and appliances.
Home warranty plans cover issues related to home systems and appliances that need repairs or replacements due to normal wear and tear. The homeowner's insurance policy is a different kind of plan that protects one's entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system repairs.
The service fee is the price homeowner pay every time there is a problem with a home system or appliance. The service fees are usually between $60 and $150.