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Should You Buy a Home Warranty?

Home warranties are a type of insurance that protects homeowners against unexpected repairs. It can be a good way to make sure your home is covered in emergencies, just like when you should call a professional plumber for your pipe and drain repair needs. 

However, you need to think about it carefully before availing of it because it comes with pros and cons. Some are not worth it if you don’t need the coverage, while others might not cover what you want them to. 

What is a home warranty? 

A home warranty is an insurance policy that covers repairs to your home, appliances, and related systems. It is a contract with an insurance company that offers coverage for the things inside your house, like plumbing and heating, and smaller items like dishwashers and microwaves. Home warranties are generally provided by companies that specialize in the industry.

It should not be confused with a home insurance policy. A home warranty will cover the replacement or repair of certain items in your home, including major appliances and plumbing systems. On the other hand, home insurance covers major perils such as natural disasters, certain water damage, and property damage. 

On the other hand, it may not cover additional items such as leaky roofs or broken windows. It may not cover the total amount of the item. That is why you should review the fine print so you won’t miss anything if you have to claim your warranty. 

Benefits of a home warranty 

A home warranty is meant to protect you and your household against unforeseen repair bills and give you peace of mind. A home warranty can serve as your emergency backup if you don’t have extra money for expensive home repairs. 

It can also come in handy during the sale and purchase of a property. It can offer reassurance to the home buyer who is unfamiliar with the home’s components and how well they are maintained. 

Home sellers can offer buyers a one-year home warranty and property purchase. It can protect against buyer complaints regarding defects or other issues after the property sale. The seller is still obligated to share any problems with the home and ensure the buyer that those issues will be taken care of, depending on the arrangement that will be agreed upon. 

Generally, home warranties are not as expensive as one might think compared to the cost of replacing or repairing a home’s essential components. However, some might think it is only a waste of premium paid, especially if there’s nothing to claim in the first place. 

How to choose a home warranty?

First, you need to find a reputable company with positive feedback from other consumers. You should also go over the fine print to know what the home warranty covers. You might also have to register your home warranty with your respective state’s insurance regulator. 

You can also ask around friends and check reviews about what home warranty they recommend. It is best to call a professional plumber in Mt. Pleasant, TN, ASAP for plumbing emergencies. 

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