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Home Warranties: Your Safety Net for Home Repairs

iPad with warranty text and pen

Home Warranties & Your Home

Owning a home comes with many responsibilities, including the inevitable need for repairs and maintenance. From leaky roofs to faulty appliances, unexpected repairs can put a strain on your wallet. This is where home warranties come in. A home warranty is a service contract that covers the repair or replacement of essential systems and appliances in your home. In this blog, we will explore what home warranties are, why they are important, and what they cover.

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What Are Home Warranties?

A home warranty is a service agreement between you and a warranty company that provides repair and replacement coverage for major home systems and appliances. The coverage typically lasts for a year and can be extended for an additional fee. The warranty covers the cost of repairing or replacing covered items, minus a small deductible paid by the homeowner. Home warranties can provide peace of mind, knowing that unexpected repair costs will be covered and you won't be left with a hefty bill.

person holding a toolbox

Why Are Home Warranties Important?

Home warranties are important for several reasons. Firstly, they can save you money on unexpected repair costs. When a major appliance or system breaks down, it can come as a shock and put a strain on your finances. With a home warranty, you pay a small deductible and the warranty company covers the rest. Secondly, a home warranty can save time and hassle. When something breaks down, you don't have to spend time searching for a reliable repair person or pay for their services out of pocket. The warranty company can provide you with a list of pre-approved professionals who can fix the problem quickly and efficiently. Finally, a home warranty can add value to your home. If you decide to sell your home, having a home warranty in place can be a selling point to potential buyers.

person working on A/C unit

What Do Home Warranties Cover?

Home warranties vary in coverage, so it's important to read the fine print before purchasing a plan. In general, home warranties cover major systems such as heating, ventilation, and air conditioning (HVAC), electrical, and plumbing. They also cover major appliances such as refrigerators, dishwashers, ovens, and washers and dryers. Some home warranties may offer additional coverage for items such as swimming pools, spa equipment, and well pumps. It's important to note that home warranties do not cover pre-existing conditions or cosmetic damage. They also have limits on the amount of coverage per claim and the total amount covered per year.

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How Do You Choose a Home Warranty?

When choosing a home warranty, there are several factors to consider. Firstly, read the fine print and understand what is covered and what is not. Look at the deductible and the total coverage amount. Do your research and read reviews from other homeowners who have used the warranty company. Check the company's rating with the Better Business Bureau (BBB) and make sure it's accredited. Finally, compare plans and pricing from different companies to find the one that best fits your needs and budget.

inside of a home

Keep Your Home In Great Condition With A Home Warranty

Choosing a home warranty requires careful consideration. It's important to thoroughly examine the terms, conduct research, and compare plans and prices. A home warranty offers homeowners a valuable safety net, providing savings, convenience, and peace of mind.

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