7 mistakes to avoid when selecting home warranty plans

7 mistakes to avoid when selecting home warranty plans

Every appliance and system in a house undergoes normal wear and tear, requiring repairs at some point. These repairs can be quite expensive, which can be concerning for homeowners. Fortunately, purchasing a home warranty plan can help save money on these repairs. However, purchasing a plan can be challenging, as one needs to consider many factors. So, homeowners must exercise caution and avoid certain mistakes to prevent any unwanted surprises later on.

Not assessing the requirements
Before purchasing a home warranty plan, homeowners must first identify their needs. This implies researching which appliances and systems are typically covered by home warranties and under what terms. Based on this information, they can then determine which of these systems and appliances in their home require financial coverage against repairs. For instance, home warranty plans do not cover appliances that are still under the manufacturer’s warranty. So, if a homeowner has any such appliances, they must note that those won’t be covered until their manufacturer warranty expires. Additionally , home warranty plans do not cover pre-existing conditions. This means that any appliance or system with existing issues that can lead to future damage will not be covered by the home warranty plan . Based on such factors and conditions, one can evaluate which of their appliances require warranty coverage and make an informed decision.

Not getting multiple quotes
When looking for a home warranty plan, it is a good idea to shop around . There are various companies that offer home warranty plans, with each packed with different terms, coverages, and prices. By searching for quotes from multiple companies, homeowners can easily compare the prices and coverages , and then select a quote that best suits their budget and requirements.

Not choosing a credible company
It is important to avoid the mistake of not choosing a quote from a credible company when opting for a particular home warranty plan. As mentioned before, there are a lot of companies that offer these warranties, but not all of them are necessarily credible. When it comes to home warranty , choosing a reputable company is important , as it directly impacts the level of service one will receive. So, instead of selecting a company solely based on their quote and prices, it is better to do some research. One can search for the best home warranty companies and read their reviews to find out which ones are worth considering. When reading reviews, it is advisable to check for feedback on the company’s customer service as well .

Neglecting to read the fine print
A home warranty is essentially a financial contract between the homeowner and the company. So, when purchasing a plan, it is important for one to thoroughly read the contract before signing it. Reading the contract will allow one to take note of which parts and appliances of their house are being offered coverage and which ones are not. Plus, many individuals tend to skip reading the terms and conditions in such matters. However, doing so can prove to be a mistake, as the contract’s fine print could mention hidden fees and additional costs that can come as a shock later. It can also include certain conditions under which the company can deny the claim. So, it is in the homeowners’ best interest to read all of the minute details mentioned in their contract to avoid any unforeseen surprises.

Not asking about renewals
Before signing the home warranty contract, homeowners must also ask the company about their contract renewal system. Many companies offer automatic renewal of their plans. So, if a homeowner is not happy with the company’s service, a contract with automatic renewal may not be in their best interest. Conversely, if a homeowner is very happy with the company and its service, they may consider opting for auto-renewal. This way, they would not have to face any gaps in their warranty.

Not checking the waiting period
A home warranty plan comes with a specified waiting period. If any of the covered appliances break down during this duration, the homeowner will not receive any coverage for those repairs. Usually, most home warranty plans have a waiting period of 30 days, but this term can vary depending on the company and the type of plan chosen. In some cases, cheaper warranty plans can have longer waiting periods. So, at the time of purchasing the plan, homeowners must check the waiting period their warranty plan mentions to avoid any confusion later .

Overlooking additional coverages
Home warranty plans typically cover essential appliances and systems, such as dishwashers, refrigerators, ovens, garbage disposal systems, plumbing, HVAC, etc. Most plans do not offer coverage for external elements , such as pools, septic systems, etc., in their standard package . However, most companies offer to cover these elements in the home warranty plan as part of additional coverage. So homeowners must not neglect these, thinking they’re excluded and not covered. They can instead ask the company if they offer additional coverage. They would have to pay extra to have these covered, but this could lead to long-term savings.

Homeowners should thoroughly look into different aspects of home warranty plans before they opt for one.

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