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The purchase of a new home is a major milestone in a person’s life. But for all the excitement new buyers feel, there is significant stress. The upfront costs, commitment to a mortgage, paperwork, inspections, and more can leave soon-to-be homeowners understandably anxious. An added worry is the possibility of an appliance, structure, or system in the home failing or malfunctioning after closing.
Fortunately, homeowners can find peace of mind with a new home buyer’s warranty. These agreements provide financial protection from the unforeseen expense associated with something breaking in a home.
Purchasing a home warranty when buying a home is an inexpensive way to ensure the structural integrity of your home and the continued efficiency of the systems and appliances within.
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A home warranty is a contract between a homeowner and service provider. You may see it referred to as home buyer’s warranty insurance or home buyer’s protection insurance, but these are misnomers. A home warranty is not the same thing as homeowner’s insurance. Whereas homeowner’s insurance covers an entire home in the event of flood, fire, or other disaster, a home warranty is a service agreement that covers individual appliances, systems, and structures.
Sometimes, a realtor or contractor may provide a warranty with the sale of a home, much as a manufacturer may provide a warranty with consumer products. At other times, an existing warranty on a home is transferred from the seller to the buyer after the sale is final, so homeowners are encouraged to check if they are already covered by a warranty plan. Some new home buyers opt for buying a home warranty after closing on a sale. If the warranty is purchased with 30 days of the closing, the warranty may be classified as a home buyer’s warranty. Homeowners can still purchase a warranty after 30 days of closing, but such a plan may then be classified as a homeowner’s warranty.
The way in which a warranty plan is granted to a homeowner can affect the details of the plan. Also, as with any contractual agreement, the extent of coverage varies from plan to plan. Almost all home warranties, however, are similar in principle.
Typically, a homeowner pays a small monthly fee to the warranty provider. Should something in the home break, the homeowner can contact their provider to request a service call. A technician is then dispatched to the home to fix or replace the item or structure as necessary. Homeowners pay a small service fee, but this is a fraction of the cost of replacing an expensive item out-of-pocket.
Appliances that are commonly covered by home warranties include:
Home systems that are commonly covered are:
More expensive plans can also cover luxury items, such as pools.
The systems and appliances in a home have finite lifespans. It’s not a question of if something will need to be fixed or replaced, but when. An affordable home warranty plan offers financial protection because you do not need to worry about paying the thousands or tens of thousands to replace something integral.
Liberty Home Guard has many inexpensive plans available, whether you’re looking to build a new home or purchase an existing structure. Call (866) 699-4589 or contact us online to find the right plan for you.
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