Most of us know about things like car or life insurance, and warranties for expensive stuff we purchase such as a smartphone or a computer. What you may not be all that familiar with is the concept of home warranty. Not to be confused with home insurance, home warranty is a service contract that offers and provides repairs and/or replacements in the eventuality that your household’s system components and appliances end up failing due to various reasons such as age, wear and tear, or a typical manufacturing defect; so in essence, you pay a sum each month/year to make sure stuff like your home’s kitchen, washing machine or dryer have a backup in case they kick the bucket completely or just need to be repaired.
Again, home warranty is not the same as home insurance: one covers accidental damage to your property due to theft, fires, or natural disasters such as storms while the other is a maintenance fee covering your home’s appliances for a period of time.
So how does it work? Quite simply, after you sign the contract (and as with everything read carefully to make sure you know what the service will and won’t cover) and everything is ready to go, you can begin to request the provider of the home warranty for assistance whenever any applicable system or appliance in your household is damaged to the point of malfunction. Said company will then get in contact with one of the several home service providers it usually works together with (like plumbing companies and such) and request its services so that they mobilize and assist you.
They will then go to your home, check and asses the problem you have, and report back to the home warranty company, with said report mentioning the damage done to the appliances, what possibly caused it and such. After that, the company will make sure whether your contract covers the damaged appliance and is such is the case, then the warrantor proceeds to employ the services of the home service provider in order to repair or, if need be, replace the damaged good. With that in mind, do note that, typically, there’s a service call fee whenever a service contractor is sent to fix an appliance or system under a home warranty contract.
So, now that the basics of home warranties are in place, you may be wondering which home warranty service providers are offering the best services, packages and premiums right now, and that’s precisely what comes up next now. Here are the best home warranty offers for homeowners!
CHOICE HOME WARRANTY
To put it simply, Choice Home Warranty is one of the top companies in the industry, having been in the business of home warranties for more than a decade now offering excellent plants and coverages and very good and fair prices.
Choice has a lot of good things going for it. For starters, they have 24/7 claims call hotline so they’re always available whenever you might need them. They also have a 30/90-day service guarantee as well as having no requirements for home inspection making the process way easier. It also has a very robust coverage which encompasses most if not all the major appliances and systems the average household has, such as the over, the dishwasher, the toilet, the microwave, the refrigerator and more, and systems such as electrical, plumbing, and ductwork. In addition to that and if you so desire, you may add coverage for such items as pools or spas and septic systems.
Aside from that, there are some other things to keep in mind if you’re interested in purchasing their services: This is an industry standard, so most companies do this, but Choice Home Warranty has no cover for preexisting conditions, and it doesn’t cover things like rust or mildew growth. Their service cover households like condos, mobile homes, single family homes and townhouses, and said service has no annual caps on the number of claims you’re able to make, but there may one for specific items.
All in all, Choice Home Warranty is a great company and an excellent choice. Go visit their website for even more info and get a quote from them if you’re interested in their services. [1]
TOTAL HOME PROTECTION
Total Home Protection is another industry-leading company with a lot going for it. In terms of pros, the company offers very effective and very fast coverage plus one month free of charge, a straightforward and simple-to-navigate website to make things easy for you and couple with that it has 24/7 support so you can contact them anytime. Additionally, their coverage offers varied plans that can suit most people and offers a wide range, offering warranties on most appliances and services and also covering said items completely disregarding age, time of use, model, etc.
If you are interested in checking them out, we recommend going to their website as they offer much more detailed information on their plans, what they cover, and of course the price. Consider getting a quote from the as well! [2]
SELECT HOME WARRANTY
A newcomer to the business compared to the two we previously highlighted, but a strong competitor nonetheless, this company has managed to get a solid following and reputation based on a combination of the quality and price of their service. Compared to most of their competition, Select Home Warranty offers lower premiums and service fees, as well as higher coverage limits going up to around $200 for systems and $500 for appliances. On top of all that they have plans going for less than $30 per month and they offer you two months for free after signing up with them. Not everything is great however, as claims you have must be filed within three days and most importantly, they have a $75 cancellation fee, so if you decide to go with them be completely sure.
If you want more information on the specifics of their coverage, check out their website and see the offers they have for you. [3]
[1] https://www.choicehomewarranty.com/
[2] https://www.totalhomeprotection.com/
[3] https://selecthomewarranty.com/
