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You may wish to purchase a Home Warranty policy for your own peace of mind. For many people it is simply comforting to know that no matter what happens, from a heater going bad to an air conditioner breaking down, everything in the house is always covered and will be replaced at a very nominal cost if anything should go wrong.
There's another reason many people buy a Home Warranty policy and that has to do with selling a home. A potential buyer of a home is often swayed when vacillating between two or more home choices and will purchase a home that has a Home Warranty policy on all of its major appliances. In this way the new homeowner feels more secure.  How does a Home Warranty policy work? You decide which appliances and home systems you want covered and you pay a yearly fee, much as you would with any insurance policy. If an appliance or system that's covered by the Home Protection Warranty should fail, there is a service charge to have a repair person come to your home and make a repair or replacement of the broken system. The service charge varies depending on choices you make when you purchase your policy, but a charge in the $50 to $60 range is common. Every company offers distinct plans with different coverage. Some companies will fix plumbing problems and piping problems while others will not. Other companies will give you a laundry list full of things covered that slightly differ from other companies. Most decent plans will offer air conditioning, door bells, water heater, ceiling fans, ovens and dishwasher repair coverage. If there's something specific you're looking to get covered, make sure it's in your plan. |
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