Wouldn't it be great if you have the power to replace a damaged appliance without having to worry if it involves thousands of dollars? Or how about paying a limit of $50 dollars for every repair? Don't you think it is practical to get some sort of home protection to be prepared of unexpected appliance failures?
If you say yes to all of these questions, then you would definitely appreciate having a home warranty. But wait, what is this all about? Find out more...
The essence of home warranty
Home warranty works like home insurance, only with more coverage. It is paid annually so that when something breaks down in your house, like a failing water heater or a malfunctioning doorbell, all you have to do is file a claim. Once you do, your warranty provider will send in a technician to check the problems and repair it. However, it is not 100% free because you would have to pay a deductible of 50 dollars for every repair.
You probably are wondering right now, who pays for the service. Well, the sellers or real-estate agents usually package this with the house, as this can be a good come-on for the buyers. Usually they give a 1-year service contract but buyers have an option to renew it simply by paying the annual fee.
It can also be paid by the builder. Builders of newly constructed homes must have this as it is required by most states before the Certificate of Occupancy will be issued.
Therefore, if you want to get one now, the next section would explain how to shop for it.
Shopping for the warranty
Here are simple steps to follow:
o Know what kind of warranty you want. To help you determine what you must have, obtain a detailed inspection report on your house to see the status of your appliances and all possible problems that comes with it.
o Choose top companies that provide home warranty. Choose the ones that have good track records and those that are legally registered.
o Compare the prices and their deductibles.
o Once you have done all your research, call them or see them in person. Ask all the necessary questions about the coverage and other issues related to home warranty. Get a copy of their proposal and compare them with the others.
After doing all of these, you can now make your decision by choosing the most economical deal.
Issues on Home Warranty
Although having home warranty sounds good; you have to know that there are also limitations to the service. Not all appliances will be covered for repair. Therefore, you really have to find out what is covered and what is not so that you won't feel scammed when you're denied of coverage. It is also important to pay attention to fine prints of the agreement. If you want a more comprehensive plan, you can do it by adding a few hundreds to the basic fee and you will gain more coverage.
Another main issue in home warranty is the denial of coverage. This is brought about claims made for appliance problems that have found out to be preexisting due to code violations or negligence. Some people have been complaining that certain companies may have used this as an excuse to deny coverage although the claim is very much legitimate. Therefore, to avoid vulnerability, it is better to properly maintain your homes and follow safety codes and regulations in installment of appliances.
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