The moment you buy your home, insurance will one of the first concerns you’ll have. Most likely, your mortgage holder will require it in fact. But that is homeowner’s insurance, not home warranty insurance. You really can’t afford to be without homeowner’s insurance.
While your homeowner’s insurance covers your home, the contents, and even off property issues, among other things, it will not provide you any coverage for appliances and systems within the home to malfunction. So, you need to ask yourself if you can afford the cost of a home warranty plan too?
So, if the dishwasher, washing machine, water heater, or any of those things quit working, the cost to repair or replace will come directly out of your wallet. Do you have an extra $500 or more to cover the replacement of those things? Unless you have a home warranty plan, that will be your only option. Of course, you want the cheapest home warranty plans you can find, or do you?
Not only do you want to look for the cheapest home warranty plan, which Liberty Home Guard can offer you, but you want to find a plan that works for your needs. Not all households are the same, and so it is best to find a company that offers a variety of packages, or even customized packages.
As you start the process of finding and choosing a cheap home warranty insurance, you need to ask yourself these questions:
You can find cheap home warranty plans for as little as $300.00 annually, even cheaper in fact. And these will have cost-effective options that protecting the major appliances as well as the major system like the electrical system, your AC and heat system, etc.
These may be enough for you, lessening your stress when one of these things break down. But that price tag isn’t all you should be concerned about when shopping for the cheapest home warranty plan you can find.
You want to see if the cost of home warranties you’re considering will offer optimized coverage, like customized plans that combine the items in your home that you’re most concerned with. The options included in the plans should offer you 24/7 courteous, expert customer service year-round. It is normal that things like the AC will quit in the middle of summer and the heat will quit on the coldest day of the year. Or the water heater starts leaking the day before a dinner party.
A cheap home warranty should offer you contract terms that are clear and transparent, with no hidden fees or requirements. The market is swamped with 100s upon 1000s of cheap home warranty insurance providers and they will each promise to provide the best protection. This is why you should do your homework and research 2 or 3 of the companies that are offering a low cost of a home warranty. Compare their different coverages and then choose the one that is best suited to your budget each month as well as what you can afford out-of-pocket without even a cheap plan for a home warranty.
For the small cost of home warranties, it is worth a lot of peace of mind for you and your family. In addition, if you plan to sell your home in the future, a home warranty plan is an upsell these days, especially for first time home buyers.
Give us a call at Liberty Home Guard and talk to our experienced, qualified, customer service representatives. They will be glad to review the different packages with you or help you by customizing one that fits your budget and needs.
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