You are sure to get homeowners insurance to protect yourself in the event of a major problem, but homeowners insurance does not necessarily cover all of the things you may think it does. What about the gaps in homeowners insurance? If you have just put a lot of money into building a home, the last thing you want is to have something break and have a major out of pocket expense. Many people purchase a home warranty when they buy an existing home, but what about a new build? Is it worth it? And, what is really covered with a home warranty?
Realtor.com discusses why everyone should have a home warranty, “A home warranty is a service contract that covers repairs and the replacement of appliances and other systems in your home. A home warranty differs from a general homeowner’s insurance policy in that it covers repairs and replacement of failed appliances or systems. Homeowner’s insurance covers your home and its contents from hazards such as loss, theft, and destruction.
Home warranty plans can differ quite significantly, but most cover things such as major appliances, heating and cooling systems, and plumbing and electrical systems. The more you are prepared to pay for a plan, the more likely it is that additional items are covered.” Depending on who built your home and your contract, some things may be covered, but some things may not be like your refrigerator. And you may think, “But, my refrigerator is brand new, it should be fine.” While this may be true, sometimes, things happen and appliances or other things break.
MSN Real Estate points out why a home warranty is a good idea, even for new construction or new appliances, “Knowing the average life span of an appliance can help determine if buying a home warranty is a good deal. Even with new appliances or home systems, the original equipment manufacturer warranties can be less than a year. Today’s appliances and systems have a lot of technology packed into them, meaning a lot more things can break.” A home warranty will provide peace of mind that your newly built home will be protected in the event of any problem. And with that stress gone, you can focus on what is most important, enjoying your brand new home!
Is your HVAC system in bad shape? Are you already dreading the summer? If you know your system is too old or will require too much costly repair, we offer the ideal opportunity to have the system replaced with maximum convenience — and at competitive pricing. HVAC Replacement Advantages: Efficiency Platinum Home Warranty is the …
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The plumbing system in your home is one of the most commonly overlooked items during a maintenance check. We rely on the system to work no matter what, and seldom stop to think about how much it’s used and the subsequent wear and tear. Postponing routine servicing can result in costly repairs and hassle down …
Oftentimes when you least expect it, you will run into a home repair issue. Either a faulty appliance, faulty duct systems or worn out pool components. In other scenarios, the problem is much bigger like damage done to the entire home as a result of a natural disaster. When considering how to protect your home …
Continue reading “Home Warranty vs. Home Owners Insurance — What You Need to Know”
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