We understand, and we are sorry to lose you. In an effort to improve, please tell us why you cancelled your policy in the first place, and why you have decided not to give us another chance.
The average American homeowner can expect to spend upwards of $2,500 per year on the maintenance and repair of home appliances and systems. That figure balloons quickly for homes that are larger and older.
Home protection plan insurance is an effective way of suppressing those significant costs. Homeowners can enjoy home protection policy coverage and be assured that they will not have to pay the full cost out of pocket to repair their malfunctioning refrigerator, dishwasher, water heater, or virtually any other home appliance or system.
But who pays for the home protection warranty in the first place? The short—and perhaps frustrating—answer is: it depends. Often, homeowners purchase protection coverage for themselves. If a home is on the market, the seller, buyer, or even real estate agent may open a policy.
In this article, we’ll review the ins and outs of home warranties and protection plans. We’ll also explain who may be responsible for purchasing coverage in different situations.
A home protection plan is more commonly referred to as a home warranty. This is a kind of service contract between a home warranty provider and a homeowner or representative of the home. This agreement is meant to ensure that expensive appliances, fixtures, systems, and other critical home equipment can be serviced, repaired, and even replaced at affordable and predictable prices.
A home warranty is distinct from homeowner’s insurance—in fact there is little, if any, overlap. It does operate on a similar principle, however.
The homeowner or policy holder pays a monthly or yearly premium to maintain coverage. If an appliance or system that is covered under the policy requires service, the policy holder submits a claim and pays a small service fee. The warranty provider then arranges for an appropriate technician to make a service call to the home. The equipment is serviced, repaired, or replaced as necessary, but the warranty provider fronts those costs. The homeowner or policy holder has thus saved a significant amount of money.
Home warranties can be quite expansive. A policy from Liberty Home Guard can cover virtually anything in or around your home.
Common appliance coverage includes:
Ovens, stovetops, and ranges
Washing machines and dryers
Ceiling fans and exhaust fans
Built-in microwave ovens
Garage door openers
Standard systems coverage includes:
This is not an exhaustive list. We also cover central vacuum systems, generators, pumps, electronics, and so much more. We even offer a suite of home warranty services, such as septic tank pumping, gutter cleaning, carpet cleaning, pest control, and rekeying.
There are some home protection exclusions to consider. Home warranty plans are meant to cover appliances and systems that break down from normal wear and tear. Warranties do not cover misuse or abuse. They also do not cover equipment that is stolen or destroyed in a fire, flood, or other disaster—that’s what homeowner’s insurance is for, after all.
In some cases, a home warranty provider will deny coverage for specific items that have preexisting conditions, just as an insurance provider will deny coverage for a home that is in danger of collapse.
Individual policies may have coverage limits or caps, but this varies by company and policy. Liberty Home Guard works closely with our customers to personalize plans, ensuring that homeowners acquire the thorough, comprehensive coverage they deserve.
The cost of a home warranty is dependent on the extent of coverage. A basic plan has a premium of $400 to $600 per year. That cost grows as more services, appliances, and systems are added to the plan.
The average service fee is between $75 and $150. This is a flat fee that is required only when a homeowner submits a claim.
With the right plan, homeowners will spend less on coverage than they would have spent on repairs out of pocket.
It’s common for homeowners to purchase warranty coverage for their own home, but there are other circumstances to consider.
Sometimes, realtors purchase coverage for homes they represent. When a deal is finalized, the realtor will gift the coverage to the new homeowner. This kind of policy usually lasts for one year and ensures that the new homeowners will not encounter any costly surprises shortly after moving in.
Other times, home sellers will purchase a policy with the intent of transferring it to the new buyers. This entices buyers and can even raise a home’s value.
Obtaining coverage is quite simple. After exploring Liberty Home Guard’s Plans & Policies page, you use our website for a free quote. If you’d prefer to speak with someone over the phone, you can call (866)-851-2024.
Whether you’re a homeowner, prospective buyer, seller, or realtor, we’ll find the right plan for you.
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.
A home warranty is not just for new homes. A homebuyer can purchase a home warranty at any time. It all functions the same, providing coverage of home systems and appliances, whether they are new or old. So, when something in the home needs to be repaired and it’s covered by a home warranty, the homeowner will file a claim with their provider. The provider will do the rest of the work, arranging for the technician to complete all the necessary repairs.
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.
For many years, Kenmore appliances were available only through Sears. Since Sears filed for bankruptcy in 2018, many homeowners who had purchased Kenmore appliances have wondered if the brand would continue to honor the warranties on their products.
There are many different terms for the types of insurance that provide coverage for your home’s appliances. Some of these terms are interchangeable, like homeowners maintenance insurance is sometimes called household repair insurance. The most important thing is to understand the difference in the details and not worry over the titles too much. Every home repair insurance provider is different and you will want to find a plan that best suits the needs of your home.
Indoor plumbing is one of a home’s most critical systems, on par with the electrical system and heating, ventilation, and air conditioning. Some plumbing disruptions cause only a minor nuisance, but others can bring about significant and cascading problems that pose a danger to your home and even your health.
A water heater is one of many critical pieces of home equipment that is always working in the background to maintain a comfortable and functional home. You may go days or weeks without thinking about it, but you will certainly notice if your water heater malfunctions and leaves you without hot water.
Home appliance warranty plans are increasingly popular among American homeowners, but the breadth of available plans across many home appliance warranty companies can be intimidating for the uninitiated.
In this article, we’ll unpack home appliance warranties and share some information you should keep in mind as you shop for a plan that suits your home and budget.
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&nb
Honeybee infestations are no less serious than infestations of roaches, termites, rodents, or other pests. Even if no one in your household is allergic to a bee’s sting, bees and beehives can cause substantial damage to your home. As hives get larger, they can stress or weaken stu
Home warranty plans are most often marketed specifically to homeowners as affordable, effective methods of maintaining and repairing expensive home equipment. There’s the home seller’s warranty, which can attract buyers and raise a home’s value when it’s on the m
As home warranties become a more popular investment for homeowners across the United States, many people previously unfamiliar with the service are wondering how home warranty coverage compares to traditional homeowner’s insurance. Understandably, homeowners are reluctant to purchase a home
Your weekend has been busy but running smooth. Then, Sunday night, you prepare to take a shower only to find that water has backed up into the bathtub, or worse, water is all over the floor. Look at the plumbing around your home at once and see if you can smell any unpleasant odors around the out
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.<
The right home warranty plan shouldn’t be tailored just to a home’s appliances and systems. It should also match the policy holder’s relationship to the home. Home buyers, home sellers, and longtime residents of a home who are not planning to sell all have different needs when i
Though it’s easy to forget in the bustle of day-to-day life, we depend on all kinds of home systems and appliances to keep our homes safe and comfortable. Our lives would be very difficult without reliable plumbing or electricity, or without a functioning refrigerator or stovetop.
The primary purpose of a home warranty policy is to provide home maintenance services and appliance repair at an affordable cost. If the total home warranty cost year over year exceeds what the homeowner would have otherwise spent by personally hiring independent contractors, the warranty is almo
In this 2021 home warranty guide, we’ll go into the specifics of what our home warranty plans can cover. We’ll also share some information on how the home warranty process works.
While a home warranty is an excellent way to protect any home, Liberty Home Guard understands that there is tremendous variety in the specific needs and circumstances of American homeowners. What use, then, is a one-size-fits-all warranty policy?
A home warranty can be a wise investment that saves homeowners money on home maintenance and repair, but consumers need to find the right plan to maximize their savings. Part of determining the best plan is having a thorough understanding of all the costs associated with a given policy.
A home warranty and appliance warranty are similar policies. People sometimes even use the terms interchangeably. So, which one is for you? In this article, we’ll give you the information you need to make the right decision.
More Americans are investing in home warranties to afford some level of protection for their major home appliances. Even the most luxurious kitchen and laundry appliances can malfunction or break down, and repairing or replacing them—especially if the manufacturer’s warranty has expir
Along with plumbing and electrical, the heating, ventilation, and air conditioning system is one of a home’s most critical infrastructural components. The effects of a failing HVAC system can be more severe than just discomfort in the heat or cold. An improperly ventilated or climate-contro
Some homeowners are surprised to learn that there are different categories of home warranties. Depending on the situation, one can purchase a buyer’s home warranty, seller’s home warranty, or even a real estate home warranty. All are designed to save you money and help you more easily
As home warranties gain in popularity, most people understand them as ways to protect your major home appliances, such as refrigerators, dishwashers, and washing machines. And that’s absolutely true! A home warranty is an excellent way to keep those machines in tip-top shape. But the possib
Life as a homeowner is expensive. Many homeowners are reluctant to take on additional costs unless absolutely necessary. As home warranty plans become more popular, many people find themselves asking the same question: Are home warranties worth the money?
GE, or General Electric, has been a familiar name in American households for well over a century. Given the company’s longevity and the breadth of their line of products, it’s likely that you have a GE appliance somewhere in your home.
In this article, we’ll provide an ov
Whirlpool appliances are common fixtures in homes throughout the United States and beyond. The company has earned a reputation for manufacturing quality refrigerators, dishwashers, washing machines, dryers, and more, but even the best mass-produced products can malfunction or break down sooner or
Smartphones, televisions, refrigerators, dishwashers—if it has an electrical component, Samsung probably makes it. Given the brand’s versatile line of products and volume of sales, chances are a Samsung product has found its way into your home.
While Samsung products are genera
Moving is one of the most high-stress events we experience. Fortunately, a home warranty can make the process of selling your home a little bit easier.
There are of course the standard benefits of home warranties. If the water heater suddenly starts acting up, or the garage door is on the&
Appliance repair costs are an unwelcome but inevitable part of homeownership. Daily use can wear down an oven, dishwasher, or other appliance more quickly than we might like. Fortunately, there are ways to mitigate the expenses associated with broken appliances. An investment in insurance on home
Most home warranty providers stipulate a mandatory home warranty waiting period before you can schedule a service call to your home. If you purchase a home warranty plan from Liberty Home Guard, the waiting period can be 30–60 days, depending on the plan you are enrolled in. This is fairly<
A home warranty is an excellent way to protect systems, appliances, and structures in your home, but there are limits to what a warranty plan will cover.
While every plan is different, home warranties typically cover general wear and tear. If home equipment is damaged for some other reason
High temperatures are a welcome part of summer if you have the opportunity to steal to the beach or pool. The heat isn’t so welcome when it means your home is hot and stifling, even after the sun has set.
An air conditioner is an indispensable amenity of modern life. For populations&
A home warranty is one of the most effective ways to protect your home. They ensure your home systems and appliances can be affordably repaired or replaced when something goes wrong, and they often go beyond the scope of homeowner’s insurance. For those just beginning to investigate home wa
An outdoor ceiling fan is a great addition to your home patio or deck. There’s the obvious benefit of cooling down your outdoor space so it’s comfortable in hot weather, but an outdoor ceiling fan is also an effective form of pest control. Fans keep flying insects at bay so you can en
A faulty appliance can be a homeowner’s worst nightmare. A broken range or oven can stop you from cooking in your own home. A refrigerator on the fritz can lead to an abundance of spoiled food. A busted air conditioner in the height of the summer means sticky, uncomfortable days and sleeple
A home warranty for multi-family dwellings or a home warranty for apartment building complexes can save landlords a significant amount of time and money.
A leaky roof is more than just a mild inconvenience. If water enters a home through the roof, it can damage systems and appliances within the home, invite mold, and compromise the home’s structural integrity. Homeowners should attend to a leak in the roof as soon as they notice it
Senior citizens often search for a place they can settle down in. They usually want to relax and live in peace during retirement and enjoy the luxuries of life on a relaxing Sunday morning.
As a result, they are making a significant investment in their current homes. One way to secure that
Talk to our Liberty Home Guard Agents 24/7.