4 Benefits of a Home Warranty in Decatur, TX

There are many benefits to having a home warranty, especially if you live in an area like Decatur, TX where the weather can be unpredictable. A home warranty can help protect your home from damages caused by severe weather, as well as other unexpected events. Here are four benefits of having a home warranty:

1. Coverage for major repairs and replacements: A home warranty can help cover the cost of major repairs or replacements, such as a new roof or HVAC system. 

2. Protection from sudden damage: Home warranties can provide protection from sudden and unexpected damage, such as a broken pipe or leaky roof. 

3. Peace of mind: Knowing that you have a home warranty can give you peace of mind in knowing that your home is protected. 

4. Affordable coverage: Home warranties are typically very affordable, and can save you money in the long run.

If you’re looking for peace of mind and protection for your home, a home warranty is a great option. And if you live in Decatur, TX, a home warranty can be an especially valuable investment. Contact us today to learn more about our home warranty plans and how we can help protect your home.

Types of Home Warranties in Decatur 

Appliance Warranties

Appliance warranties are a great way to protect your major appliances from unexpected repairs or replacements. They typically cover all parts and labor for repairs, as well as the cost of a new appliance if your old one can’t be repaired.

The downside of appliance warranties is that they only cover major appliances, so you’ll still need to pay for repairs or replacements for smaller items like your toaster or coffee maker. Additionally, some appliance warranties have limits on the amount they will pay for a repair or replacement, so be sure to read the fine print before signing up.

Systems Warranties

Systems warranties are a great way to protect your home’s major systems from unexpected repairs or replacements. They typically cover all parts and labor for repairs, as well as the cost of a new system if your old one can’t be repaired.

The downside of systems warranties is that they only cover major systems, so you’ll still need to pay for repairs or replacements for smaller items like your smoke detectors or doorbell. Additionally, some systems warranties have limits on the amount they will pay for a repair or replacement, so be sure to read the fine print before signing up.

How to Buy a Home Warranty in 5 Easy Steps

A home warranty is a service contract that covers the repair or replacement of major home appliances and systems, such as air conditioning, electrical, and plumbing. Many home warranties also cover structural components, such as roofs and foundations.

While a home warranty is not required when you purchase a home, it can be a valuable asset, particularly for first-time homebuyers. A home warranty can give you peace of mind knowing that if something goes wrong with your home, you won’t have to pay out of pocket for repairs or replacements.

Here are the 5 steps:

Step 1: Determine if You Need a Home Warranty

The first step in buying a home warranty is to determine if you need one. If you’re buying a new home, your builder may offer a warranty as part of the purchase price. In this case, you would not need to purchase an additional warranty.

If you’re not buying a new home, or if your builder does not offer a warranty, you’ll need to decide if a home warranty is right for you. There are many factors to consider when making this decision, such as the age of your home, the type of coverage you need, and your budget.

Step 2: Compare Home Warranty Companies

Once you’ve decided that you need a home warranty, it’s time to compare companies. When comparing home warranty companies, you’ll want to look at the type of coverage they offer, the price of the plan, and any additional fees.

It’s also important to read the fine print of each home warranty contract to understand what is and is not covered. Some home warranty companies have many exclusions, so it’s important to know what you’re getting before you purchase a plan.

Step 3: Choose a Home Warranty Plan 

Once you’ve compared home warranty companies and found one that meets your needs, it’s time to choose a plan. Home warranty plans typically cover major appliances and systems, such as air conditioning, electrical, plumbing, and heating.

Some plans also cover structural components, such as roofs and foundations. If you’re not sure which plan is right for you, most home warranty companies offer a free consultation to help you choose the best coverage for your home.

Step 4: Purchase Your Home Warranty

Once you’ve chosen a home warranty plan, it’s time to purchase your policy. Most home warranty companies require that you pay an annual fee, although some charge a monthly fee. You’ll also need to pay a service call fee every time you use your home warranty.

Service call fees are typically $50-$100, but they can be higher or lower depending on the company you choose. Be sure to ask about service call fees before purchasing a home warranty so there are no surprises later on. 

Step 5: Use Your Home Warranty

If something goes wrong with a covered appliance or system in your home, simply call your home warranty company to schedule a repair or replacement. A technician will come to your home to diagnose the problem and make the necessary repairs.

In some cases, the home warranty company may require that you get a second opinion from another technician before authorizing repairs. Be sure to ask about this before you purchase your policy so you know what to expect.

Buying a home warranty is a simple process, but it’s important to do your research before choosing a plan. By following these five easy steps, you can be sure you’re getting the best coverage for your needs.