Category: Home Warranty

There are several ways a home seller and buyer can make the process easier, and a home warranty is one of them. Providing the buyer with a warranty can be a great benefit for several reasons. Purchasing a warranty before you purchase a home can also benefit you greatly. You may find these reasons to purchase a protection plan, no matter if you are buying or selling. There are many unpredictable occurrences that can arise at any time, but some of them can be protected from more than others. When you are dealing with the buying and selling of a home, there are many problems that could arise at any time during the process. You have to deal with financing, contracts, and time constraints in order for a home to be bought or sold. There are several problems that could occur from a number of these important factors. A home warranty is the best way to protect the home after it has been sold, as there is still a chance for problems to arise. The home seller should get a protection plan for the buyer from the very beginning, as they can avoid paying in the long run. The warranty can often be provided without having to pay out of pocket, as it is usually included in the fees associated. The seller can move on fully from the property once they have moved, as they won’t be held legally liable for any problems that could arise from faulty appliances and fixtures around the home with the home warranty. They will also ensure a faster selling time, as the buyer will have much more confidence in a home that has a warranty attached to it. A home buyer can also benefit greatly from purchasing a protection plan before moving in to their new home. The warranty can also be included in the purchasing price, so it won’t have to be paid for on a monthly basis. The buyer can determine how long they wish to have the warranty, as they can go all the way up to 5 years after purchase. They benefit by having the home warranty they need for the major appliances in the home that could break down at any time. The heater, air conditioner, duct work, electrical system, doorbell, garbage disposal, and telephone wiring may all have problems down the road. Even minor problems could cost the new homeowner thousands of dollars in repairs. Money is already probably very tight, as they have had to make enough money to afford the mortgage payment each month. The cost of a large repair shouldn’t have to be added on to the financial stress they are already undergoing after the purchase. As you can see, both the home seller and buyer can have a much easier time with the purchase of a home when they provide a home warranty. The seller can expect to sell much faster and settle any problems out of court, and the buyer can expect to keep their wallet full in the first couple of years after they purchase a home. Everyone wins when a protection plan is provided, so you should consider it the next time you are either buying or selling.]]>

A home warranty is a great way to protect the major aspects of the interior of your home when you are selling or buying. If you have recently only heard of a warranty and what it may provide for you, then you may be surprised to find there are many benefits you could receive from one. When you purchase a home with new appliances, you often believe they will operate for quite some time with no problems. You may think that even if you do have problems with the appliances that the manufacturer will pay for the repairs and replacement, but that may not be the case. You may need to rely upon your home warranty more than you realize. There are some instances in which the manufacturer won’t be responsible for the appliances that you find faulty, and you may be surprised by them. There are several instances in which a protection will provide coverage for many appliances, regardless of the brand you have. Manufacturer warranties will often be very selective in the repairs they allow for; as they will only fix the brands they are selling. They will also only usually offer a warranty for a year or so, which can be extended with a warranty. The home warranty may cover all of the appliances for several years, if you so choose. You can’t count on a manufacturer warranty to last more than a year unless you extend it, which can cost you hundreds of dollars. The chances of major appliances breaking down after one year of use are very slim. The chances of a refrigerator, for example, breaking down can go down to as little as 8% once a year has passed. The manufacturer will often recommend the customer get an extended warranty, but it can be largely a waste of money because of the slim chances of their new product breaking. The home protection plan can be provided for several years down the road, which cannot be said with a manufacturer warranty. When a home warranty is purchased, the appliances do not have to be new in order to have protection for them. They can be of any age and of any brand, which can be a big change from the manufacturer warranty they originally came with. There are also strict stipulations that will often be in fine print with a manufacturer warranty, such as only fixing certain parts of the appliances. There will often be clear and precise guidelines when you purchase a protection plan instead of relying on the manufacturer to make necessary repairs. You can also expect to wait a very long time for the repairs you require when you go through the manufacturer, as they will only usually allow one repairman to be utilized. The repairman knows they aren’t making as much money when they are fixing your appliances, so they will usually only fix it within a few months. You can expect to have prompt repairs done when you utilize your home warranty, however, as you can often call them 24/7 to get the help you need. You can count on your warranty to help you with many major components of your home, so you will likely never have to deal with the manufacturer unless you absolutely need to.]]>

When you are first purchasing a home, it may be quite confusing with all the insurance and warranty information that you receive. You may wonder what the difference is between your home warranty coverage, and your home insurance that you are required to get by law. There are several large differences that you can find once you read through your policies and speak with agents of both companies. Here are just a few of the differences you may find once you move in. Whether you purchased your home warranty, or you received the coverage from the seller, it doesn’t matter as far as the protection provided. You will likely receive the same amount of protection for everything a warranty covers, as many companies will have a general warranty that protects several aspects of your home. You can expect your home insurance to only be purchased by you, as you are going to be the policyholder that pays for and receives the protection for your home. The difference in payment between the two in regards to payment is you are not expected to pay for your home warranty coverage if the seller provided it, but you are required to pay for your home insurance entirely. The items that are covered are a major difference between insurance and a home warranty. The home warranty has been made to protect appliances that exist within the home, such as the dishwasher, water heater, garbage disposal, furnace, air conditioner, duct work, inside plumbing stoppages, electrical systems, the range and oven, ceiling fans, and telephone wiring. If you were to move into your home and had a home warranty existing, then whenever an appliance broke down you could call the warranty company to fix it for you. Home warranty coverage covers only the inside appliances of your home. Home insurance provides protection for the appliances of your home, but only in disasters. Fires, earthquakes, vandalism, and theft are all instances when you would call your home insurance provider to pay for your appliances. Home insurance mainly covers the structure of your home and belongings inside in the case when a disaster strikes, including weather-related mishaps. Insurance is also paid for in a different way than your home warranty coverage when you make a claim. You often have to pay a deductible when you make a claim with your insurance provider, which can be upwards of thousands of dollars. When you make a claim with your home warranty, you will only have to pay a small fee, if any. You can get outside items covered under your home insurance, but you will have to pay for the repairs more in the long run. You can expect to cover both the inside and out of your home when you have both a home warranty and home insurance, as they both will provide comprehensive coverage together. When you first purchase a home, you can discuss home warranty coverage with the seller to see if they would be willing to provide it for you. You can speak with an insurance agent to set up your homeowner’s insurance policy before you move in. You can then have most of your home protected against the unknown.]]>

Just as your house is different from your neighbor’s, your home warranties should be different as well. There are many variances to factor in to your home warranty. Your house will have different needs than another and your warranty should reflect that. Some of the factors to consider when choosing home warranties are the age of the house, current condition, your financial situation and budget, and your ability to fix things around the house. If you are a contractor or have a friend or family member who can fix the major problems that occur in a house you may want to only have minimal coverage for your home. Using someone you know can lower your necessities in a warranty. With that being said you may still want to be sure your major appliances and systems are covered. Cost wise it is a wise idea to cover the major appliances and systems in your home to avoid a high bill during an emergency situation. Home warranties can help you avoid running up a credit card or having to get a high interest loan. If you have recently bought an older home, there will undoubtedly be problems with the house. The previous owner may have installed newer appliances but with age comes problems with the structure of the house and to the systems within the house. Systems such as the heating and cooling can be compromised with age and with improper care. The previous owner may or may not have changed the filters or had the systems serviced. Without the proper care, these systems may begin to deteriorate. When this happens, it can shut down suddenly or you may notice daily changes in the efficiency of the system. Even if you have taken excellent care of your system, it can still wear out. This is when home warranties can be useful. Some families prefer to set money aside for an emergency and while that is a wise practice, there may be more than one emergency in any given month. When that happens, it can be helpful to have a warranty on at least one of the items that has broken. With a warranty on the major items in your house, you can know that the other problems are manageable. Home warranties are not all the same. You should always read the fine print, just as with any document to ensure you understand what is covered. Some items may be covered under certain circumstances and that is something you should be clear about. For example, home warranties may cover the plumbing system in a home only if the pipes are found to be faulty. It may not cover the plumbing system if there is a user accident such as an overflow or stoppage. In order to get the most out of your warranty, it is a wise idea to cover the systems and appliances that you know will need servicing in the near future. If the oven is brand new, you may not want to have it covered, unless it increases the premium very little. Sometimes warranties include all appliances in the kitchen and do not give you options to exclude. Just be sure you understand how your warranty works and what it covers.]]>

As a homeowner, you understand the importance of maintaining your property and keeping your belongings inside safe. Home owners insurance can help keep the belongings safe within your home and home warranties can keep the systems and major appliances in your house in working condition. When you purchase your home, you will probably be given the option to purchase a home warranty before you even move in. Whether you are buying a townhouse, condo, or single family home, home warranties are an important purchase to make in addition to the dwelling. Just as with a single family house, a townhouse or condo can have systems fail and be costly to repair. The warranty will cover the existing items in the residence and the systems such as the heating, cooling, and plumbing. Even with new buildings, there can still be issues with things like faulty wiring, pipes, and manufacture problems. Home warranties protect the home buyer, regardless of the type of dwelling. After a move, your budget is usually maxed out with the movers, utility deposits, and anything new you may have to buy in order to make the house suitable for you. You do not want to have to worry about an appliance that stops working or a cooling system that dies in the middle of a hot spell. These can be major budget busters and cause you unnecessary monetary stresses. When there is a warranty on these items, you may pay a small monthly fee to cover the items. It is an insurance of sorts that protects the insides of the home and the appliances within the home. It seems that things almost always go wrong when you are not ready or when you need them to work more than ever. After you’ve moved into your new condo, you may decide to invite your family over for the holidays. This is not the time for an appliance to stop working yet inevitably it can happen. The warranty service will have a list of qualified repair persons that can help you even on the holidays. All you will have to do is call the repair person and they can be out to your home to help you get the holidays back on track. Your family is counting on you and you need to figure out how to fix the problem. Even if you don’t have the money to fix the appliance up front, you won’t have to worry about that as the home warranties may require you to only pay the service fee. These fees can be fairly low and only occur when there is a service call. The price of this service fee is nominal in relationship to the overall cost of replacing an entire appliance. Even the price of a service call can be much higher than that of the service fee so in the long run the warranty can be a wise option for anyone that buys a property whether it is a single family home, townhouse, or even a condominium. These types of properties can all have appliances and systems that fail so having the backup peace of mind of home warranties is a great investment.]]>

Whether you are selling or buying a home, you may want to consider purchasing a home protection plan. You will receive several helpful benefits by either utilizing the protection plan for yourself, or giving it to the sellers of your home. There are many options as far as providers, however, so you will want to ensure you select the right one to get the protection needed. A good reason to consider purchasing a home warranty when you are selling is providing the buyers with the confidence they need to buy your home. They will be more willing to purchase your home when they know you are protecting the appliances within the home. You can also avoid any legal litigation from occurring, because they may come to you for payment once an appliance does break soon after they move in. You can expect to sell your home faster, and stay out of court, when you provide a home protection plan for your sellers. When you are purchasing a home, it is also a good idea to have a warranty. You may never know how the appliances operate within your home, so it may be a good protection to provide yourself. When you first start shopping for the best protection plan for your home, there are some considerations to think of. You will first want to find several companies to compare online. You can often find several providers that can protect your home. Once you have taken a look at the different companies, you can then compare the coverage each home protection plan provides. Several components inside your home should be covered, such as the air conditioner, furnace, water heater, doorbell, electrical system, garbage disposal, plumbing stoppages, and the dishwasher. The protection may vary quite widely, as some may give you more or less. If you know that some of your appliances are getting older, then you will want to make sure you see them in the list provided. Another important consideration when looking for a new warranty for your home is the exclusions. Some companies will have times when they won’t cover the problems that occur for various reasons. You can often read through the policies they provide to ensure the coverage will be there when you need it the most. You can also compare the prices of each home protection plan with the protection they provide, as it may be worth it to spend a little more for more coverage. When you compare several different providers, there still may be some questions left. You can often call a representative to discuss the protection they provide and how much it will cost. They should also tell you how much each deductible will be once you do make a claim. The time length of the plan will also need to be determined, as some will only be offered a year, while others can last several. You should find all of your questions answered after you call and discuss the home protection plan of each company. You can then make an informed decision on the best company to provide you with the coverage you need for your appliances.]]>

As every home owner knows, there are a lot of things that can go wrong in a house.  Sometimes it can seem like there is so much work to be done that it’s impossible to even get ahead and many home owners despair of keeping up with an ever-growing list of maintenance tasks.  If you are feeling overwhelmed by the many items on your repair list, why not take a closer look at your home warranty service plan?  You might surprised to learn just how many of even the most common household repairs can be covered by a home warranty service plan in Arizona. Buying home warranty service plan in Arizona is one of the best consumer decisions you can make.  Many finance advisors who specialize in household economics will recommend that a family purchase a home service warranty upon buying a house.  This will ensure that they are never without recourse when it comes time to make important repairs.  Every home can develop unexpected problems as soon as new owners take up residence.  Even a house that has been well maintained over the years can develop spontaneous problems.  The reason that household finance experts recommend the purchase of a home warranty service plan in Arizona  early on in your occupation of your house is to avoid having to pay a more costly premium after a large problem has occurred.  In other words, the sooner you lock down a low premium on  your home warranty service plan, the more you’re likely to save over the life of the policy you’ve chosen. Household finance experts tell their clients about the many different home protection plans that are available on the market today.  Many of these protection plans have been made with new homeowners in mind; it’s great to know that there are service plans out there that address your unique needs, though it can sometimes be hard to tell which ones are actually worth the money.  That’s why advice from an expert can be helpful.  The agency you purchase your home warranty service plan from will tell you about all the ways your plan can help you.  They’ll be able to show you real examples of the ways in which they’ve helped countless homeowners just like you. There are many ways that you can save money over the years that you own your home.  Making good spending and saving choices can turn your house from a money pit into a serious financial asset.  In fact, one of the biggest secrets of successful homeowners is the careful choices they make with regards to home service.  Because the cost of service and repairs can add up fast, money smart homeowners make the choice early on to invest in a home warranty service plan in Arizona.  There’s no doubt that this is one investment that is sure to pay off. When you look at your home from an economic perspective, you may start to wonder if there is any way to turn it into the valuable financial asset you know it can be.  One of the best ways to do exactly this is to keep your home in good repair without going into debt at the same time.  Buying a solid home warranty service plan in Arizona is one of the best financial decisions you can make and it’s sure to have big returns.]]>

When you are selling your home, there might be many things that you will do to get ready for the sale. Perhaps you will paint every room in the house, or rent furniture as a set up to make the rooms look pretty. You might give the home a real good cleaning and even do a little more yard work than usual. There might be some home repairs that you will do so that the house is in good shape when people come through to look at it. Something else that you may want to consider is purchasing a home warranty in Scottsdale. There are some benefits that you might experience when you are selling your home with a home warranty. When you have a home warranty in Scottsdale and you are trying to sell your home, it might attract more prospective buyers. When they see that there is a warranty on the home, they will be able to rest assured that they will not be stuck with repair costs on the major appliances in the home. This is appealing to home buyers because nobody wants to purchase a home just to have to dish out more money when the appliances start to fail. Knowing that they are secure might be really enticing for home buyers. Another benefit of having a home warranty in Scottsdale if you are selling your home is that you will not have to deal with potential legal issues in the future. Perhaps if you sell your home and then the appliances start going out, the home buyer could come after you with a lawsuit, claiming that you sold them faulty appliances on purpose. The cost of legal fees in such a situation could heavily outweigh the low cost of purchasing a home warranty, which is what you might want to consider. It could be better to just assure the home buyer with a warranty, that their appliances are in good shape. Typically when someone purchases a home warranty in Scottsdale as they are trying to sell their home, they do not have to pay for it until they close on the house. By paying for the warranty at closing, they will not have to pay cash out of pocket, but it can be added to closing costs. This could be a huge benefit to anyone selling a home, but especially to someone who is moving and selling their home due to a poor financial situation. If you are selling a home, you may want to seriously consider purchasing a home warranty in Scottsdale. There are many benefits that you might experience as you are trying to sell your home if it has a home warranty. Attracting more potential buyers, avoiding legal issues, and not having to pay until closing are just a few of the many benefits of buying a home warranty for the home you are selling. To find out more information about home warranties, you may want to talk to a real estate agent or to a friend that has recently purchased or sold a home. The more you know, the easier the decision might be for whether or not you will purchase a home warranty while you are selling your home.]]>

Whether you are buying or selling a home, you might want to consider looking more into Phoenix home warranties. You may not know much about home warranties. If you are a home seller, you might not understand the benefits that you could experience if you had a home warranty. As a home buyer, it might not be clear to you why you should look for a home with a home warranty. As you learn more about Phoenix home warranties, it might become more apparent why they are so important. Something to know about Phoenix home warranties is that they cover most major appliances in the home. Some of the appliances that are typically covered are microwaves, stoves, dishwashers, and garbage disposals. The home warranty might also include heating systems, water heating systems, plumbing, and electrical work. Telephones and ceiling fans are also covered in many home warranties if they are built in to the home. There are some appliances that may not be covered in a typical home warranty, but something that you could talk to your realtor about to see if you can have them included. Sometimes you will need to pay a little more for the warranty and sometimes they might just throw some extra items in the warranty. These extra items might include air conditioning systems, washing and drying machines, swimming pools, and other added features that are similar to those. If you are confident as a home seller that all of your appliances and systems are in good shape, it could be a good move to purchase a home warranty. If you are a home buyer and someone has a warranty on all of the above mentioned items, it could be a good sign that they are confident in the function of their systems. If you are selling a home, something that you might want to know is that Phoenix home warranties can be added to the closing costs of the home. You will not always have to pay an out of pocket cost if you want to purchase a home warranty. If you choose not to buy a home warranty and you have a buyer with a really good offer that wants a warranty, you might want to just go ahead and do it so that you are not stuck trying to sell your home for more and more years. If you are the home buyer, you may want to be sure that the house you purchase has a home warranty. It would be no good to move into a new home just to have to spend more money fixing appliances that go bad after just a few months. If you really like a certain home, but there is no warranty, you may want to ask the home seller if they would purchase one. Chances are that they will do it if they are really ready to sell their home and if they like your offer. When they do, that is a good sign to you that the appliances are in good shape, but just in case, you have a cushion to back you up. After you know more information about home warranties, it can help you in buying or selling a home. To learn more, you may want to talk to your realtor, or even do a little research online about Phoenix home warranties.]]>