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Home repair tends to take us by surprise. Insurance can help us prepare for an unexpected breakdown, but it can be challenging to make sense of the different kinds of home maintenance insurance policies.
In this post, we’ll demystify the world of homeowner’s maintenance insurance so you can more easily find the best plan for you.
Home or house repair insurance is a service agreement to maintain your home’s major appliances and systems at an affordable and predictable cost. You may see it more commonly referred to as home warranty insurance or home appliance insurance.
A standard warranty or repair plan will typically cover the most important equipment in the home. Commonly covered systems and appliances include:
Often, you can adjust your policy to include coverage for less common items and services. These include:
With an active plan, your warranty or insurance provider will cover some or all of the repair or replacement costs when a covered item breaks down from general wear and tear.
The warranty or insurance process is simple. You start by working with your provider to customize a plan with your appropriate level of coverage.
There is usually a waiting period of one month before you can exercise your policy. This reduces the risk of insurance fraud. When the waiting period is over, you can submit a claim with your provider to service a covered item.
Warranty providers partner with professional technicians across the country. When it comes time to service an appliance or system in your home, your provider will take care of finding a qualified technician. This repairperson will communicate with your provider to ensure that your problem is resolved.
A home warranty or home repair insurance has two associated costs: a premium and a service fee.
The premium is the fixed monthly or yearly cost of the policy. This will vary from provider to provider, and it’s of course dependent on the extent of coverage. The average premium is around $300 to $600 per year.
The service fee is due whenever you submit a claim to repair or maintain an appliance or system. Depending on your plan and provider, this can range from around $75 to $150.
As you shop for a plan, you’ll also want to consider less obvious costs, such as your plan’s deductible or coverage limits. Homeowners are rewarded by careful shopping, however. With the right plan, the total amount you pay for your policy will be less than what you would have paid for repairs out of pocket, saving you money in the long run.
Unlike homeowner’s insurance, home repair insurance is typically optional. Only you can decide if a home repair policy makes sense for you and your home.
First, consider your level of risk tolerance. If your tolerance is low, a home repair plan may be a good idea. It can provide some peace of mind, simplify your budget, and ensure you’re prepared in the event of an appliance or system malfunction.
Also think about coverage you might already have. For example, if you’ve just moved into a new home with all brand new appliances, your equipment is likely already covered by manufacturers’ warranties. In this case, a home repair policy would be redundant. You would be better off waiting a few years when those warranties expire.
Finally, consider the benefits of a home warranty vs. home insurance. Home insurance will provide protection in the event of theft or disaster. A home warranty will not provide coverage in these scenarios. Conversely, while a home warranty will cover items that fail due to general use, home insurance will not. In this way, a home warranty and home insurance complement one another.
If you think home repair insurance is a good fit for you, call Liberty Home Guard to learn more about the kinds of plans at your disposal. You can request a free quote through our website, or you can call our team at (866)-526-1752.
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Wondering how to protect your new home and your wallet from costly, unexpected repairs that are bound to come your way? A first home buyer warranty can give the protection and savings you’re looking for. This type of home protection is most often referred to as a home warranty. A home warranty is a service contract that covers the cost of repairs and replacements of your home’s systems and appliances when they break down from normal wear and tear.
You may be wondering what is the value of a home warranty for a buyer? Homebuyers, whether new or seasoned, find a home warranty especially helpful because owning a home requires a lot. And, even if a home may be brand new with all new appliances, they still will experience wear and tear.
Appliance warranty coverage is becoming increasingly popular. This kind of coverage, also known as a home warranty, has simplified home repairs. A home warranty is a service contract that covers the cost of repairs and replacement of your home’s systems and appliances when they break down over time from normal wear and tear. Appliance warranty services vary by provider, but in general they allow homeowners to save money and time.
Many of our homes are powered by Maytag appliances. They are a reliable and vetted brand that specializes in everything from washing machines to microwaves to your HVAC system. Because of this, homeowners believe that a Maytag warranty for their home appliances may be a good investment in order to save money. Most Maytag appliances come with a limited warranty upon purchase. For example, you’ll likely have a maytag freezer warranty or a maytag washing machine warranty if these appliances are new purchases in your home.
A septic system warranty can save you money and time when it comes to repairing this costly, yet vital part of your home. Suburban and rural homes without access to public sewer systems will likely have to rely on a septic system for waste management. This means that it’s not only important to maintain this essential system in your home, but to also be prepared for the inevitable breakdowns that can occur to your septic system over time. This article will help you navigate septic system warranty plans.
Plumbing is essential to your home, making its maintenance a top priority. Breakdowns in your plumbing will eventually take hold and can be costly. There are ways to shoulder the cost of repairing and maintaining this vital system in your home. This article will cover the basics of a home warranty, which will offer coverage for your plumbing along with your home’s other appliances and systems. An extended plumbing warranty will only cover your plumbing.
Looking for ways to save money on home repairs? A home warranty is one of the best ways to get coverage for those costly, unexpected home repairs and USAA even offers a home warranty discount if you are a member.
A home warranty is a service contract that covers the cost of repairs and replacement of home systems and appliances when they break down over time from normal wear and tear. It can save you money and time, especially when it comes to repairing those big-ticket items, like replacing a furnace, which could cost around $3000 out of pocket.
Kenmore has been a household name for over one hundred years. As of 2021, Kenmore products include a suite of kitchen appliances, grills, washers and dryers, electronics, and equipment for air and water treatment.
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Talk to our Liberty Home Guard Agents 24/7.