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If you're considering a home warranty, it's important to understand what the coverage entails and whether or not it's right for your situation. Here, we'll explore everything you need to know about home warranties, including what they are, who should get one, and how much they cost.
A home warranty is a contract between you and the warranty provider. The warranty provider agrees to cover certain repairs if needed. You pay for this coverage when you sign up. The fee allows the warranty company to pay for repairs on your behalf when they are needed. There are two main benefits:
No, they are not. Home mortgage lenders require home insurance, which covers the home and/or parts thereof in case of loss or accident such as fire, flood, wind damage, or theft. In short, home insurance generally only covers problems with the house structure.
Home warranties cover major systems and appliances usually not covered by home insurance. For example, if your furnace stops working due to age, your home insurance would not cover its repair, but a home warranty would.
It is important to remember that a home warranty covers things that fail during the normal course of their lives. Think of it like an extended warranty for the major (expensive) things in your home.
Home warranty companies will offer different plans covering a variety of home systems and/or appliances. They may include:
Not everything is included in every home warranty plan. And you may not need everything a plan has to offer. That's why it is important to shop around to find the correct home warranty plan to best meet your needs and budget.
While home warranties are generally fairly affordable, the cost can vary depending on which company you choose. The price is based on the length of your contract, the systems covered, and any discounts that apply.
The bottom line is that a home warranty can be a good idea if you can afford it and you're worried about the cost of home repairs and maintenance. There are many home warranty providers, each offering a variety of plans. So it's important to do your research before deciding which one is right for you!
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