Maintaining a comfortable, nice home requires commitment and diligence. There is always something to improve and work on if you want to make sure your home looks good and offers the conveniences you need. Your home appliances and systems have to be in good order for you to get the full benefits and luxuries they provide.
But no amount of effort and dedication will keep things working in top form forever. No matter how well-built something is, it will eventually wear out and stop functioning properly. If you are not prepared for this, the repair or replacement bills could be overwhelming.
The good news is that there is a way to spare yourself a lot of money, hassle, and stress when these events arise. With a home warranty, you can continue to get the most out of your home’s features. This will benefit you now and in the years to follow.
Comparing Home Warranty With Homeowners Insurance
Owning a home requires that you have an insurance policy. You pay a premium for this coverage, which will cover losses and damage to your home in the event of a catastrophe, disaster, or misfortune. These may include fire, lightning damage, bursting pipes, theft or vandalism, hail damage, or damage from violent winds.
Your home warranty also covers aspects of your home, but the plan is a little different. First, it is not required but is a voluntary purchase. It lasts a year, and you can buy a warranty when you purchase your home or anytime after. It covers home appliances and systems that break down due to wear and tear. It also allows for repairs and replacements when an item unexpectedly falters.
A warranty does not cover items that stop working because of misuse or improper installation. You cannot expect coverage if you break an appliance or damage a system on purpose.
It Fits in Your Budget
Owning a home can be overwhelming to your finances, so it may be stressful to think about buying one more thing. But a warranty can be inexpensive. There are options to fit in just about any budget. Plans vary in cost, but most of these are around $300 to $700 a year. Many people can find a warranty for less than $50 a month. If you plan and budget wisely, you can fit this benefit into your finances.
It Covers a Wide Range of Items
Your home warranty can protect many of the elements of your home. Those items you use the most can have warranty coverage to make repairs when needed. The plan looks out for conveniences that you likely use every day.
You can expect warranty protection for your kitchen appliances such as the refrigerator, built-in microwave, dishwasher, garbage disposal, oven, and stove. It applies to your washer and dryer, water heater, air conditioner, and furnace. It will also cover the rest of the HVAC system as well as your electrical system and plumbing. A warranty is also good for your roof and swimming pool, if you have one.
Age Doesn’t Matter
Don’t think because your appliances are older that the warranty won’t be valid. As your appliances and systems age, this is when you need coverage most of all. You can buy or renew your plan even as these items begin to near the end of their life span. You may not worry so much about newer appliances breaking down, but a warranty protects them as well.
A Professional Is on the Case
Expert help is just a call away when you have a warranty. When something in your home starts to sputter or goes out of commission, file a warranty claim. The company will send a licensed professional to your house to take a look at the problem. This technician has the experience and skill to properly diagnose the issue.
If some repairs are enough to get the item working well again, the service technician will address the matter. This professional will also determine whether replacing it is the right decision. You won’t have to do any of this hands-on work.
A Big Money-saver
If you think a home warranty is too expensive, wait until you get a repair bill for a major appliance or system. Fixing a kitchen appliance can cost a couple of hundred dollars. Overhauling the plumbing could run you over a thousand. Installing a whole new HVAC system could set you back up to $10,000, depending on the size of your home. It’s easy to see how you could save thousands of dollars by investing in a home warranty.
As you consider whether it’s worth it to get a home warranty, review the benefits of a Choice Home Warranty. You can spare yourself a whole lot of stress and grief by buying one. Plus, you’ll keep more of your hard-earned money in the process.
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