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Home warranties have become increasingly popular among American homeowners as a convenient and affordable method of home appliance and system protection. Yet home warranty protection, despite the name, is not limited to owners of single-family homes. Owners of apartments, condos, and multi-family homes are also eligible for warranty coverage.
If you’re an apartment or condo owner, a home warranty could be a valuable investment to insure against unexpected appliance breakdowns. In this article, we’ll explain how to obtain and take advantage of an apartment home warranty or condo home warranty.
A home warranty is a service contract between a property owner and warranty provider like Liberty Home Guard. It works on a similar principle to auto, home, or health insurance. The property owner pays a monthly or yearly premium to maintain an active policy. The warranty provider, in turn, covers part or all of the cost to maintain, repair, or replace home equipment when it breaks down.
Let’s say, for example, a policy holder’s refrigerator unexpectedly malfunctions. Instead of personally finding a repairperson and paying the full cost of repair, the policy holder can submit a claim with their warranty provider. The policy holder may pay a modest service fee, but the warranty provider will cover the cost of labor and replacement parts.
Home warranties were originally designed to cover expensive home appliances that homeowner’s insurance fails to cover, but modern policies can cover virtually anything within and around your home.
Some policies, such as Liberty Home Guard’s System Guard plan, covers critical home systems. These include:
Heating, ventilation, and air condition (HVAC)
Apartment and condo owners may not need comprehensive systems coverage if the property management company is responsible for the building’s electricity, plumbing, and so on. The necessity of systems coverage may vary by circumstance.
Apartment and condo owners will typically get more mileage from an apartment appliance warranty or appliance protection plan, such as Liberty Home Guard’s Appliance Guard plan. This plan covers the following:
Ovens, cooktops, and ranges
Washers and dryers
Garage door openers
Coverage does not need to be limited to the items listed above. We can also customize a home warranty for apartment and condo residents to include coverage for additional items and home services, such as lighting fixtures, wine coolers, electronics, and floor and carpet cleaning.
The home warranty cost for apartment and condo residents is dependent on the extent of coverage. A ballpark figure would be somewhere between $300 and $600 per year. Let’s break this figure down.
A home warranty has two main cost components: the premium and the service fee. The premium is the monthly or yearly amount the policy holder pays to keep the plan active. The service fee is a small amount—usually around $75 to $150—that is due only when the policy holder submits a claim.
There are other financial considerations, such as coverage limits. These vary from company to company and from policy to policy. You can negotiate such a figure with your warranty provider before signing a contract.
Ideally, you want to spend less on total warranty costs than you would have spent paying for home services and appliances repairs on your own. That, however, is not considering the peace of mind and convenience that home warranties can afford you.
If a warranty seems like a wise investment for you and your home, obtaining a policy is simple. You can request a free quote for a Liberty Home Guard home warranty through our website. You can also talk through the process with our team by calling (866)-225-7958.
We’ve quickly made a name for ourselves as the most consumer-focused warranty provider because we do everything we can to adapt a home warranty to your needs and lifestyle. Whether you own a house, apartment, condo, or even if you’d like a home warranty for multi-family homes, we have a plan for you.
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