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Have you ever heard of a home warranty? Did you know that it is vastly different from homeowners insurance? While the latter is mandatory when purchasing a home with a mortgage loan, a warranty comes highly recommended but is not required. Here’s our reasons why you should have a home warranty when purchasing your new home:
1. Most of us have been in a situation similar to a dishwasher that breaks and damages the floor surrounding it. While homeowners insurance covers the repair of the floor, the home owners are on their own when it comes to repairing the original problem – the faulty dishwasher. A repair like that can get pricey quick! Homeowners insurance covers things like personal belongings and the structure of the house and offers liability protection in the unlikely event of a fire, theft and natural disasters. A home warranty will cover parts, labor and even system replacement for heating and cooling systems, electrical and plumbing and all major appliances due to wear and tear. This is how you get that expensive dishwasher (and most other broken items) fixed.
2. Having a home warranty offers peace of mind and convenience while protecting your budget. The cost to repair major appliances is always a hard pill to swallow and a headache to schedule and find a reputable repair company. With a home warranty, not only is there no need to hunt down a repair man, but you’ll be guaranteed easy and dependable service. You also won’t be stuck with the hassle of cost or a repair, or the budget busting repair bill.
3. As a homeowner you have the ability to place a claim and get your appliance repaired quicker and easier and you can do so with as many appliances that are covered in your warranty. As a seller with a warranty your home may sell faster and at a higher price and protect you from after-sale legal disputes. Lastly, as a buyer, you can buy with confidence knowing you have warranty coverage on all major systems and built-in appliances and have access to a vast network of qualified service technicians. A warranty also helps to protect your cash flow which is so important during the process of buying a home.
Most companies offer one year warranty terms that may be renewed annually. Some require an initial inspection. You can find plans for as low as around $35 per month plus the service call fees. We recommend starting with these three reputable companies for finding the home warranty that is right for you:
