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Aspiring homeowners have a lot to think about regarding a new purchase. What location is ideal for my family and me? How many rooms are too many? How much is the mortgage?
Something you probably haven’t thought about yet is how you will handle large home repairs. Even newer homes need some type of coverage, as mistakes in the construction process can go unnoticed until they cause problems, your roof may wear down quicker than you thought, or something worse.
How can you ensure home systems and appliances, such as HVAC, electrical, refrigerators, and washing machines, stay operational? You can either hire a handyman to take care of issues as they arise or plan ahead by adopting a home warranty policy.
We highly suggest going with the latter option, and here’s why. Think about the following factors if you’re a homeowner looking to protect your family from sudden appliance failure.
Managing your Home
Managing a home is not an easy task, but there are ways to make it easier. From switching the clothes from the washer over to the dryer to managing all
Homeowners Insurance vs. Home Warranty
First, we need to make the distinction between insurance and warranty clear. Home insurance typically covers your property in the event of a significant disaster, such as a tornado, earthquake, or flood. Insurance usually excludes regular maintenance.
A home warranty, in contrast, covers wear and tear damage on any of your home’s appliances and systems. Should a problem occur, your warranty provider will send out a contractor to diagnose and fix it. You only have to pay a regular, predetermined fee every month or so to receive this service.
Home Warranty vs. Handyman
A handyman is mainly for simple jobs that don’t require extensive licensing, such as leaky faucets or installing additional electrical outlets. A home warranty gives you access to a professional for specialized jobs that require extensive skills.
The more severe damages that happen to a household, such as HVAC breakdowns or damaged pipes, all require licensed technicians.
Why Choose a Warranty Over a Handyman?
Home warranties have several compelling advantages over a handyman. Here are a few of them.
- Quality service. If you do your research, you’ll find warranty providers with excellent customer care. Check the reviews to ensure the company is open to communication and can professionally conduct business.
- Access to a trusted contractor. Hiring a trustworthy handyman isn’t easy, and who knows what quality of work one will provide? Warranty companies thoroughly check the experience and skillset of the licensed contractors they select, saving you tons of time.
- Easier management of expenses. Don’t be stuck paying out of your pocket for expensive repairs. A warranty reduces those costs into regular fees, making it easier to balance the family budget.
Hiring only a handyman isn’t sufficient for the majority of homeowners, in our opinion. If you want controlled costs, professional service, and less time and effort spent, get in contact with a warranty provider.
Pros and Cons of a Home Warranty
If you’re considering a home warranty for your property, factor the following pros and cons into your decision. Some strong points for adopting one are:
- The peace of mind of having a professional always on the line to fix your problems. A home warranty is thus suitable for new homeowners.
- Easier financial planning. There are no unanticipated costs, just regular fees and deductibles.
- Customizable coverage. Most providers allow you to pick and choose the coverage you need, either for just appliances, systems, or both. You only pay for what you need.
- Great for selling the home. If you ever put your house on the market, including a home warranty is an effective way to boost sales potential.
Some drawbacks of home warranties include:
- Not everything is covered. Read the details of your contract for coverage exclusions. Consult with the provider for specifics.
- No coverage for significant natural disasters, but that’s what insurance is for, after all.
As long as you’re careful about your choice of company, you’ll have a beneficial experience with home warranties.
Liberty Home Guard: Your Solution for Home Warranty Plans
Are you tired of Googling home warranty vs. home repair plan with minimal results? Do you want some of the cheapest home warranty plans that’ll get the job done for you? Then look no further than Liberty Home Guard.
Liberty Home Guard offers plans come as cheap as a dollar a day. Despite the low cost, we’re one of North America’s most trusted home warranty providers. Our service is certified and professional, and we’ll get you a plan that fits your needs perfectly. Contact us at (866) 396-5837.