One of the easiest and most effective ways to protect your home and appliances from unplanned emergencies is through a reputable Home Warranty Provider. Find out more about how they work and what plan is best for you below.
A home warranty is a service contract that protects you financially in case a major household system or appliance breaks down from normal use and is no longer under manufacturer warranty. A home warranty covers repair and replacement expenses after you pay a service call fee (established in the contract) for a contractor to visit your home and diagnose the problem. Home warranty companies have networks of licensed, reputable technicians, so you don’t have to find one on your own; instead, the company assigns one to your service request. In some cases, you may be able to choose your own contractor.
Your home warranty contract may cover systems, appliances or both. This includes heating, air conditioning, plumbing, ductwork, the electrical system, kitchen refrigerators, washers, dryers, built-in microwaves, dishwashers, ovens, septic tanks, garbage disposals and water heaters. Most home warranty contracts last for 12 months, with a 30-day waiting period before coverage starts.
Home warranty costs vary by provider and plan type, but you can expect to pay around $60 per month for comprehensive coverage. There is also a service call fee established in your contract, which you pay each time you make a claim; this fee ranges from $55 to $150, depending on the company. You can purchase a home warranty plan at any point, whether you are buying, selling or have lived in your house for years.
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Plans cover the cost of expensive home repairs, and our top picks handle scheduling contractors for you.
Home Warranty is a financial safety net that comes in handy for those who live in a home with older systems or appliances and worry about budgeting for the unexpected.
We primarily considered recent verified reviews, coverage options, premiums and availability to choose our top picks for the best home warranty companies. Our top picks have at least a 2:1 ratio of 5-star reviews to 1-star reviews, offer comprehensive plans starting under $50 and service most states.
For many people, having a home warranty plan is worth it for when the AC breaks in the middle of the summer or the plumbing backs up. It’s a financial safety net that comes in handy for those who live in a home with older systems or appliances and worry about budgeting for the unexpected. If you’re selling your house, having a plan can make your home more attractive to buyers.
Understanding what each Home Warranty plan will cover and how to choose the best fit for your assets is no easy task. Our friends at ConsumerAffairs and their thousands of customer reviews and rankings can help you choose the right plan at the right price. No stings attached.
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