Please ensure Javascript is enabled for purposes of website accessibility

New Online Options Coming in April Learn More

By Platinum Team October 18, 2012

The Top Five Home Warranty Claims

If you are looking to buy a home or already own a home, you may want to consider purchasing a home warranty plan. These plans are designed to cover the cost of repairing or replacing the many systems and appliances that make up your home. In the event that one of your appliances breaks or one of your home systems shuts down, having a home warranty will ensure that you do not have to pay the full cost of repair or replacement.

There are many appliances and systems that a home warranty plan covers and it varies from plan to plan. Some common appliances that a home warranty covers are refrigerators, washers and dryers, and ovens. Some common systems that are covered by a home warranty are the plumbing, electrical, and central air conditioning systems. The plan you choose can be customized to fit your needs. In order to choose the plan that will best protect you, you should be aware of which appliances and systems have the highest rates of breaking down or needing to be replaced. The top five home warranty claims are furnaces, air conditioning systems, heating systems, dishwashers, and refrigerators. You will want to make sure that the home warranty plan you choose covers these five appliances and systems.

The heating and cooling systems of your home are vital to your comfort. A heating system warms your home during the winter months. There are many different kinds of heating systems, including a furnace. If your heating system stops working in the middle of the winter, you will need to get it fixed or replaced quickly, especially if you live in an area with harsh winter weather. It can be miserable to be without heat on a cold winter night. Your air conditioning system is also important. If you live in a place that gets unbearably hot at some point in the year, you want to make sure that your air conditioning is protected. Going without the cooling benefits of an air conditioning on a hot summer day will quickly remind you how important it is to have your air conditioning system in working order. Make certain that your heating and air conditioning systems, including your furnace, are covered in your home warranty plan.

Dishwashers and refrigerators are essential appliances in your home. Your dishwasher provides you the convenience of not having to wash your dishes by hand, freeing up time in your day for other things. Typically, dishwashers also use less water than if you washed your dishes by hand, and that saves you money on your water bill. It is also important that your refrigerator be in good working order. Your refrigerator stores your food and keeps it fresh. If it breaks down, you want to be sure that you have a plan to get it replaced or repaired quickly so that your food doesn’t go bad.

Having a home warranty plan may save you money in the long-run. Chances are that at some point your furnace, heating/cooling system, dishwasher or refrigerator will break down and need to be repaired or replaced entirely. This can quickly become a drain on your finances. Having a plan that covers at least these five systems and appliances can bring you peace of mind, knowing that you are covered in case of an emergency.