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Home warranties – Process, pricing, and companies to consider

Home warranties – Process, pricing, and companies to consider

A home warranty provides homeowners with several benefits and coverage that significantly ease the financial and emotional burdens associated with unexpected home repairs or replacements. By selecting the right plan and reputable home warranty provider, homeowners can safeguard their homes, their budgets, and their peace of mind for years to come. Here is everything one needs to know about home warranties, from coverage options, benefits, and reputable companies to consider.

Benefits of a home warranty plan

Financial safety net
Purchasing a home is a significant investment. With a home warranty in place, homeowners get a financial safety net against any repairs or malfunctions. This peace of mind is particularly valuable for first-time homeowners or those with limited knowledge of home maintenance.
Convenience and accessibility
Home warranty providers usually have a network of pre-screened, licensed contractors and technicians who can promptly address repair or replacement requests. Homeowners can easily submit a claim through the warranty company, and a service professional will be dispatched to assess the issue. This convenience saves homeowners the time and effort of finding and vetting service providers themselves. Additionally, home warranty companies often operate 24/7, ensuring assistance is available whenever an emergency arises.
Increased resale value
A home warranty can enhance the resale value of a property. When potential buyers see that a home is protected by a home warranty, it provides an added layer of confidence and assurance. A warranty offers buyers protection against unexpected repairs, making the property more appealing and potentially increasing its market value. It is an attractive selling point that sets a home apart from others on the market, giving sellers an edge in a competitive real estate landscape.

Coverage options
Typical home warranty coverage plans offer protection for one’s home systems as well as appliances, and some additional coverage as per the varying needs of homeowners.

Cover for home systems
Coverage for home systems typically includes essential areas such as electrical systems, ductwork, heating systems, interior plumbing, and water heaters.
Cover for appliances
Appliance coverage includes items such as dishwashers, garage door openers, garbage disposals, air conditioners, ovens, cooktops, and more. One can opt for optional coverage for pool equipment, refrigerators, or spa equipment.
Additional and optional coverage
Additionally, many home warranty providers offer optional coverage for systems and items like well pumps, septic tanks, built-in microwaves, multiple refrigerators, or duplicate appliances.
Comprehensive coverage
Some comprehensive home warranty plans can extend coverage to any other appliances used by homeowners, including ceiling fans, trash compactors, motors and pumps, roof, and even provide services like pest control.

Process to claim a home warranty
Home warranties are typically renewed annually with varying conditions per policy, offering primarily repair discounts. Here are the steps to follow while claiming a home warranty:

Step 1: Review the warranty contract
Most coverages are subject to service call fees and deductibles, which can vary among warranty providers. So it’s important for homeowners to review the terms, conditions, and exclusions in their contracts to understand their financial obligations and claim eligibility.
Step 2: Document the issue
Once the issue in a covered item is identified, one needs to document the repair by taking photos or videos that clearly show the problem. It’s important to have visual evidence to support one’s claim and provide it to the warranty company if requested.
Step 3: Contact warranty provider
One needs to contact one’s home warranty provider to initiate the claims process. Most companies offer multiple avenues to report a claim, including phone, email, or an online claims portal. One may need to provide the necessary details about the issue, including supporting documentation if possible.
Step 4: Schedule an appointment
When a homeowner requests a repair or replacement, a service professional is dispatched to assess the situation. The warranty company typically assign a licensed and vetted service provider from their network to handle the repairs. One may also be allowed to choose a known provider nearby and the company may reimburse the costs later. One needs to coordinate with the assigned professional and schedule an appointment that works for both parties.
Step 5: Pay the fees
If repair costs exceed coverage, individuals are responsible for additional expenses. Most home warranties require homeowners to pay a service call fee, which is a predetermined amount one needs to contribute towards the repair or replacement. One is advised to maintain a record of all communication, invoices, receipts, and documentation related to the claim. This documentation will be helpful for future reference and can serve as proof of the service performed. Additionally, individuals can choose to cancel a home warranty plan after a year or premium payment completion and explore superior alternatives.

Costs of a home warranty plan
The cost of home warranty may vary based on factors like the type of home, its location, and the company chosen. According to Forbes, the annual cost of a home warranty comes up to $600 on average, which can go as low as $275 or over a thousand dollars for more customized plans. It’s best to confirm the cost with a preferred company and compare a few offers before finalizing one.

Companies offering home warranties
Here are some reliable companies that one can consider:

Home Warranty of America
Home Warranty of America offers flexible home warranty plans designed to meet the diverse needs of homeowners. It also offers a money-back guarantee of up to 30 days on its repairs. With coverage for major systems like HVAC, plumbing, electrical, and appliances, the company provides reliable protection against unexpected breakdowns.

Liberty Home Guard
Liberty Home Guard delivers comprehensive coverage plans and covers a broad range of systems and appliances, including heating, air conditioning, plumbing, electrical, and kitchen appliances. Liberty Home Guard stands out for its straightforward claims process and commitment to customer satisfaction with up to 90-day workmanship guarantee. They also offer additional coverage for items like pools, spas, and well pumps.

American Home Shield
As one of the pioneers in the home warranty industry, American Home Shield (AHS) has built a solid reputation with their 30-day workmanship guarantee and an extensive network of certified technicians. AHS provides customizable plans that cover about 23 appliances and systems and also additional coverage options for leaky roofs and garage refrigerators.

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