What is a Home Warranty?
A home warranty is a service contract that provides protection against certain types of repairs. A home warranty can cover major appliances, heating and cooling systems, plumbing fixtures, electrical systems, and more.
It's important to note that not all warranties are created equal. Some plans offer only limited coverage while others provide comprehensive protection for your home's major systems. The type of plan you choose will depend on your needs and budget--you may even want to consider combining two different policies together to get the best deal!
Benefits of Having a Home Warranty
Home warranties are an important part of your home protection plan, but they're not just for when something goes wrong. Home warranties can also help you avoid unexpected repair costs by protecting against common problems like:
Water damage and mold
Electrical problems (e.g., circuit breakers)
Roof leaks, siding damage, and more
What is Covered by a Home Warranty?
When you purchase a home warranty, the coverage is generally broken down into three categories: appliances, plumbing, and electrical systems. A few other things may be covered as well.
Appliances - This includes all major appliances such as refrigerators and stoves. If something breaks down on one of these items within the warranty period (usually one year), then it will be replaced by the company that issued your policy at no cost to you.
Plumbing - This refers to fixtures in your home such as sinks, tubs, and toilets; however some policies will also cover drains and sewers if they become clogged or backed up due to an issue with another part of your plumbing system like pipes or faucets leaking water onto them which causes damage over time if left unchecked until repairs can be made later down the road when needed most urgently by someone living alone without anyone else around who could help them out financially during those times when money gets tight dueling between paying off debts versus buying food for dinner every night before bedtime comes around again tomorrow evening after work hours end early enough so there isn't much time left over after doing chores around housework duties like washing dishes etcetera...
What is Not Covered by a Home Warranty?
Maintenance. Most home warranties cover repairs and replacements, but they don't include routine maintenance such as changing light bulbs or cleaning out your gutters.
Pre-existing conditions. A pre-existing condition is one that existed before you bought the home or moved into it--for example, if you buy a house with a leaky roof and then have to replace it under your warranty, this would be considered a pre-existing condition because it was there when you purchased the house.
Damage caused by neglect: If something breaks down due to lack of use (such as an air conditioner or furnace), then this isn't covered by most warranties either!
How to Choose a Home Warranty Company
When considering a home warranty company, you should:
Research companies. Read reviews and compare coverage and pricing.
Look for customer service options. Some companies offer 24/7 support via phone or email, while others require you to submit claims through an online portal.
Cost of Home Warranties in WA
Average monthly and annual costs. According to Home Warranty reviews.com, the average cost of home warranties in Washington is $27 per month or $318.98 per year. However, this figure can vary depending on the type of plan you choose and whether or not you have other insurance policies with the same provider.
Factors that influence the cost. Here are several factors that can affect how much you pay for a home warranty in Washington:
1. Coverage level: The cost of a home warranty in Washington can vary depending on the level of coverage you select. A more comprehensive coverage plan will generally cost more than a basic plan.
2. Age of home: The age of your home can also affect the cost of a home warranty. Older homes may have more wear and tear on their appliances and systems, resulting in a higher premium.
3. Location: The cost of living and repair costs can vary by region, so the location of your home can impact the cost of a home warranty in Washington.
4. Deductibles: Home warranties often come with a deductible, which is the amount you must pay out of pocket before the warranty coverage kicks in. A higher deductible can lower your premium, but it also means you'll pay more out of pocket when repairs are needed.
5. Provider: Different home warranty providers may have different pricing structures and coverage options, which can affect the cost of a home warranty in Washington. It's important to shop around and compare quotes from multiple providers to find the best coverage at the most affordable price.
Type of coverage: Comprehensive plans offer more protection than limited ones do; however, they may also be more expensive because they cover more items under warranty than their counterparts do (e.g., appliances vs electronics).
Age of your home: Newer homes tend to incur fewer repairs than older ones due to their superior construction materials and workmanship--but if something does break down unexpectedly while it's still under warranty coverage at some point during its lifespan then there's no need for concern!
How to File a Claim for Home Warranty Repairs
If you need to file a claim, you'll want to provide as much detail as possible about the problem. This will help the home warranty company determine how quickly they can send out a technician.
If your repair needs are covered by your plan, but there is an additional fee for service (which varies by company), you'll need to pay this amount before repairs can begin. The technician may also ask that you make arrangements with him or her regarding payment after work has been completed.
Common Home Warranty Disputes
Home warranties are designed to cover certain parts of your home, like the roof or HVAC system. But there are some things that aren't covered by a standard warranty. These include:
- Pre-existing conditions: Home warranties generally do not cover pre-existing conditions or damage that is already present when the warranty is purchased.
- Cosmetic items: Most home warranties do not cover cosmetic items, such as scratches, dents, or other superficial damage.
- Outdoor items: Home warranties typically do not cover outdoor items, such as sprinkler systems, pools, or outdoor kitchens.
- Appliances and systems outside of the home: Home warranties usually do not cover appliances or systems that are located outside of the main living area, such as well pumps, septic systems, or detached garages.
- Neglect or misuse: If an appliance or system fails due to neglect or misuse, it may not be covered by a home warranty.
- Upgrades or modifications: Home warranties generally do not cover upgrades or modifications to your home's appliances or systems.
It's important to carefully review the terms and conditions of any home warranty policy to fully understand what is and is not covered. You can also speak with your provider to clarify any questions or concerns you may have.
Home warranties are important for any homeowner to invest in, especially if they want to protect their investment and ensure that they have access to quality repairs when something goes wrong. With so many different home warranty options available, it can be difficult for consumers to figure out which one is best for them.
Home warranties can cover everything from plumbing and electrical issues (and more) all the way up through major appliances like refrigerators and stoves. However, there are some things that aren't covered by most policies: damage caused by natural disasters such as floods or fires; wear-and-tear issues like worn carpets; normal maintenance such as changing air filters; and cosmetic defects like dents on walls or scratches on floors. If you're looking into getting a new policy but aren't sure what exactly should be covered under it--or even how much coverage is necessary--we recommend contacting an independent agent who will help guide you through this process step by step!