Homeowner’s Insurance is a must when purchasing a home. Not only to meet your mortgage company’s requirements but for your own protection. A home is the most expensive and valuable thing you’ll ever purchase, it only makes sense to protect it.
Unfortunately, homeowner’s insurance does not cover repair or replacement of your appliances, electrical, or plumbing systems if they break down from normal wear and tear. A home warranty in Nevada will cover those gaps for you, costing only pennies a day and a low deductible with each service call. Nevada home warranties vary from company to company, and you should check several out before choosing one to make sure you’re getting the best deal for you and your needs that fits your budget.
What Exactly Is A Home Warranty?
A home warranty is like an insurance plan that provides you protection on the components of your home like the kitchen and laundry appliances, the plumbing system – even clogged drains or overflowing toilets, the electrical system – including the HVAC system. Liberty Home Guard offers the best Nevada home warranty packages at the lowest prices you’ll find anywhere. And we include things that most home warranty companies do not – like the ductwork for your HVAC system.
You may still be wondering why your homeowner’s insurance won’t cover these things? Your homeowner’s insurance policy will provide you financial compensation for damage to your home that is accidental or most acts of God, otherwise known as perils.
Once you choose a home warranty service, the contract is binding for one year typically. Some companies may offer longer terms. During that one period, they are saying they will repair or replace your major appliances, electrical and plumbing systems if they breakdown.
The typical coverage for a home service contract will cover your interior plumbing, cooling and heating system, electrical system, water heater, kitchen appliances like the dishwasher, garbage disposal, range/stove, kitchen refrigerator. As well, they will cover repairs or replacement for the washer/dryer, garage door opener, pool equipment, and spa equipment.
The typical cost of a contract can range between $200 for one year to $600 or more, depending on how much you have covered. A company like Liberty Home Guard has set package plans, but they will customize one that better fits a homeowner’s needs and budget.
Home Warranty & Maintenance Tips
The first tip we can offer is if you have a new-built home, you should have coverage with the builder. Before buying into a home warranty in Nevada, verify with the builder of your home what components of your home are covered by their warranty.
Other things we can advise when choosing a home warranty in Nevada and want to know how to find cheap home warranty plans is to take the following steps:
- Confirm that your appliances were correctly installed.
- Maintain all components of your home like replacing the air filter, cleaning the dryer lint screen, draining the water heater, etc.
- If you have a second kitchen refrigerator in the garage, inquire if it is covered under the plan you choose and if not, ask to have it added in, which may cost you extra.
- Have an inspection done of your home prior to taking a home warranty plan. This will allow you to be certain that everything is operating correctly and make any repairs needed. If a home warranty company finds that a repair is needed, it may be more costly for them to repair than to have it done yourself prior.
- Once you have a home warranty contract, if anything breaks, do not attempt to repair it and do not call a service contractor. Most Nevada home warranties will deny a claim if the item has been tampered with or repaired outside of their network.