Eventually, something in the home is going to need to be repaired. Often, these breakdowns are unexpected and may come at a time when the budget is tight. Putting off those repairs can make daily life difficult and may even cause further damage to the appliance or home system. Fortunately, a home warranty offers protection from the high costs of home repairs.
What is a Home Warranty?
A home warranty is a service contract that provides useful content and coverage for various appliances and systems in the home. The home warranty cost or premium gives homeowners access to the company’s network of repair technicians. When a covered item breaks down, homeowners can contact the home warranty company to schedule a service appointment with a local provider.
Homeowners can either call First American Home Warranty or use their online tool to schedule service. When the service provider arrives at the home, homeowners pay the set service fee and nothing more. The technician will then provide the needed repairs or even replace the covered item as needed.
What Does a Home Warranty Cover?
Home warranty coverage can vary greatly between providers and plans. In general, customers can choose from a basic or starter plan that covers the plumbing, electrical, and heating systems. The basic plan also offers coverage for a dishwasher, refrigerator, oven, cooktop, and built-in microwave ovens.
There are also more moderate plans that offer the essentials of a home. These plans typically cover everything in the starter plan plus some additional items. These additional items include the clothes washer, water heater, air conditioning, and garage door opener.
Homeowners can even opt for the premium plan that includes everything in the starter and essential plans as well as added features. These plans offer luxury appliance coverage, garbage disposal, the full garage door system, faucets, an instant hot water dispenser, and additional options. Homeowners can even choose to add other items to their plans, such as a pool or spa.
The Cost of Common Home Repairs
One of the most expensive features of a home to repair is the home’s HVAC system. Even with proper care and maintenance provided for the system, things can still wear out and the system can break down. The average cost for HVAC repair is around $300. However, these services can range between $75 and $2900.
The Best Home Warranties for HVAC Coverage of 2022 offer a cost-effective way to keep the home comfortable all year long. Homeowners simply pay the set service fee to the technician and the repairs are handled. If the system is beyond repair, the unit can be replaced at no additional cost.
Even basic appliances can be expensive to repair. An average refrigerator repair is $400, while garbage disposal can run households around $250 for repairs. If more than one item breaks down in a month, it could destroy a home’s budget.
The Cost of a Home Warranty
The cost of a home warranty can vary greatly between companies and the type of coverage homeowners purchase. However, according to realtimecampaign.com, homeowners pay significantly less for a home warranty than for typical household repairs.
Although a home warranty is a year contract, many companies offer convenient monthly payments. For starter or kitchen coverage, pricing can be as low as $10 or $20 per month. Even with larger plans or premium coverage, homeowners can still save a lot of money with a home warranty. Often, these plans pay for themselves after the first breakdown.
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