Having homeowners insurance is vital, but it only covers damage from significant events, like a fire or earthquake. So, many homeowners opt to augment their policy with a home warranty. This is because a home warranty covers the systems and appliances in your home for events, like a broken furnace, that are not covered by homeowners insurance. However, not all warranty plans and providers are the same. As you begin your quest for the best home warranty company in California or Arizona, consider the following questions.
Important Questions for Home Warranty Companies in Arizona and California
What is a Home Warranty?
First, it’s important to understand what a home warranty, also called a home protection plan, actually is. In essence, it’s a type of service contract, but it works in a way that is similar to insurance. You pay a premium annually, and if a covered item in your home needs to be repaired or replaced, you pay a deductible. The remaining amount due for the covered replacement or repair should be paid for by your home warranty.
What are the Limitations of Home Warranties?
Home warranties cover things such as appliances and HVAC systems, for example. Items not covered by such policies include the structural aspects of a home, including the windows and doors. If the floors or ceilings in your home are damaged, a home warranty policy would not cover their recovery.
What Should I Look for in a Home Warranty?
You should read the fine print before you purchase a policy. Some providers and plans cover certain items and not others. Also, some policies will pay for repairs to an item such as a refrigerator, but they might not cover the ice-maker inside the refrigerator.
Another crucial detail is the age and value of your appliances and system components. If your HVAC system is older and may soon need repairs, buying a home warranty could be a very practical step.
Also, be sure that you don’t have a manufacturer’s warranty already in place. Many components and appliances come with warranties, so you will need to evaluate which ones in your home are already covered. This will affect which home protection plan is best suited to your circumstances.
What Should I Ask a Home Warranty Company?
Whether you are shopping for an HVAC warranty in Arizona or an appliance warranty in Arizona, be prepared with questions. Ask for the specific cap on how much a plan will pay for repairs and/or replacement. Ask for the exact details regarding the company’s policy on repairs versus replacements. Find out whether a company will only cover the depreciated value in the event of a replacement.
Choosing the Right Home Warranty
By taking stock of the appliances and systems in your home, as well as any existing warranties, you can establish what kind of coverage you need. This will help you to determine which one is the best home warranty company for your California or Arizona household.
Best Home Warranty in Arizona Including Appliances and HVAC
HomeGuard HomeWarranty offers affordable home protection plans to homeowners in California and Arizona to help you cover the unexpected costs of home ownership. Home warranty coverage is an attractive option not only to current homeowners but buyers considering a new home. Real estate professionals and home sellers can take advantage of home warranties to offer additional peace of mind to potential buyers. Contact us today or call 1-866-993-2301 to discuss our 3 levels of protection and extensive range of add on coverage to help protect all the aspects of your home that you need protected.