A common misconception that many homeowners make is that home insurance and home warranty are on in the same. Whilst both are similar in terms of offering pricing plans and deductibles, they are in fact very different. Home insurance will protect the structure of the property and the and the contents within the property such as personal possessions. Home warranty on the other hand will protect the buyers of this warranty agains damage to the home’s systems, as well a helping to pay for repairs and replacements. If you are not sure whether or not you need home warranty, here is why you do.
Getting the Best
Firstly a quick not on getting the best home insurance, you need to compare as many companies as you can, find a company with good customer service and professional care, and one which covers you against everything that may come your way. If you check out First American Home Warranty reviews, you’ll see that they are one of the best, this is why it is so important that you check reviews in order to make the smart choice. You have to trust in those other homeowners who have placed their loyalty with a home warranty firm and reading the reviews will give you an insight into how they deal with a problem, not just how they promise to deal with it.
We have seen the damage which a natural disaster can do in recent months, take the wildfires in California for example. If you are in a zone which is prone to flooding, hurricanes, earthquakes or wildfires then you’ll need home warranty protection. A warranty can help ensure that you are protected if you systems in the home are heavily damaged.
People may scoff at having to pay $500 per year or $60 per month for their home warranty but this is in fact going to save you a huge amount of money. If your HVAC system goes wrong or if you have to completely re-wire the home after an issue, that $500 is going to start looking like a huge bargain!
Home warranty companies have technical experts who work for them so when something goes wrong you won’t have to wait around for a technician, nor will you have to spend hours trying to find one. When something goes wrong simply call up your home warranty provider and they will send someone out in a heartbeat.
The real crux of having a warranty is to alleviate any risk which you may have when something goes wrong. If your electric cuts out and you lose the food in the freezer, if a pipe bursts and ruins that new 3 piece suite, whatever it is that can go wrong very often does, with a warranty you can guarantee yourself that protection.
Don’t leave yourself open to risk, get a home warranty plan and get yourself peace of mind.