Picking a home warranty company requires some research to find the right company and plan for your home. Plans can vary greatly between home warranty companies and some plans may not cover what you need.. Your research can also include checking reviews, asking friends and family who have used home warranties and reading sample contracts to learn coverage limits.
Living in a city with a warm climate like Phoenix places greater importance on things like your air conditioning. Some companies make air conditioning part of their base plan while others can include it in their premium package and some make it an add-on for an additional cost.
Getting a pool covered under a home warranty can also be an extra charge, so if you have a pool, youll want to see if its covered in a plan. Some companies also have pest control coverage available, which can be nice if you worry about bugs entering your home.
There is a national organization for home warranty companies called theNational Home Service Contract Association. The NHSCA provides accreditation for home warranty companies. A company affiliated with it is reputable, licensed and in good standing with the organization.
Reviews can help you sort through home warranty companies. Reviews can give you an idea of how fast a company fields service calls and the quality of its work. When you check reviews, be sure to check multiple review sites, including the BBB and Google Maps.
Its a good idea to research and discuss coverage limits for specific items so you know what to expect. Coverage limits can start at as little as$500and other warranties will go as high as$6,000.Different appliances can have different coverage limits, plus warranties can have a cap on how much they will pay out each year.
Home warranty companies typically provide service within 24 to 48 hours of filing a claim. Some companies have a dedicated phone line to allow you to file claims 24 hours a day, seven days a week. A fast-responding home warranty company can be a lifesaver in Phoenix should your air conditioning go out or if you have a plumbing problem.
A home warranty company that has a workmanship guarantee can set it apart from other companies. Not all companies offer a workmanship guarantee and the ones that may offer different guarantee lengths. A workmanship guarantee can last 30 days or up to three years, depending on the company.
Reaching out to a local technician can provide you with helpful information because they may be affiliated with a home warranty company or could have worked with one in the past. If you have a trusted technician, its a good idea to check with them before you decide to get a home warranty. Some home warranty companies will allow you to use your own technicians but others will require you to use theirs.
Sample contracts contain a lot of important information like coverage limits and specifics on whats covered under the warranty. Finding a sample contract can take some digging around a companys website. Some companies dont have them on their websites so its a good idea to ask for one before deciding on a company.
Home warranty companies typically provide a comprehensive list of the items covered by their plans. For instance, one plan may cover appliances, while another covers systems. Whats included in those plans varies by company so its important to see if the items you want covered are included in the plan you want.
Knowing what you want to be covered with a home warranty can make your decision easier. Make a list of items you need covered and check to see which plans align with these items. You may need to do a combination of a plan and add-on items to get adequate coverage.
Many home warranty companies can also cover items regardless of age and pre-existing conditions. The specifics of whats considered a pre-existing condition can get complicated so if a company offers it, be sure to check the contract.
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