6 Benefits of a Home Warranty in Commerce, TX 

If you’re a homeowner in Commerce, TX, you may be wondering if a home warranty is worth the investment. Here are six benefits of having a home warranty that you may not have considered:

1. A home warranty gives you protection against the cost of repairs for major systems and appliances in your home.

2. A home warranty can help you avoid expensive out-of-pocket costs for repairs or replacements.

3. A home warranty can give you peace of mind, knowing that you are covered in case something goes wrong with a major system or appliance in your home. 

4. A home warranty can help you budget for the cost of repairs or replacements, as the monthly premium is often lower than the cost of a single repair or replacement. 

5. A home warranty can be transferable to a new owner if you sell your home, which can make your home more attractive to buyers. 

6. A home warranty can give you access to a network of pre-screened and qualified service providers, so you can be assured that you will receive quality service.

Types of Home Warranties in Commerce:

Systems Plans: A systems plan covers the mechanical systems in your home, such as the air conditioner, heating system, plumbing, and electrical wiring.

Appliance Plans: An appliance plan covers major appliances, such as your refrigerator, oven, dishwasher, and clothes washer and dryer.

Combination Plans: A combination plan is a mix of a systems plan and an appliance plan, covering both the mechanical systems and major appliances in your home.

 
Which Home Warranty Plan is Right for You?

Now that you know the different types of home warranty plans available, you may be wondering which one is right for you. The answer to this question depends on several factors, such as the age of your home, the type of home you have, the number of appliances you own, and your budget.

If you have an older home, a systems plan may be a good option for you. This is because older homes are more likely to have issues with their mechanical systems than newer homes.

If you have a newer home, an appliance plan may be a better choice. This is because newer homes usually come with more appliances than older homes, and appliance repairs can be expensive.

If you own both an older home and many appliances, a combination plan may be the best option for you. 

How to Buy a Home Warranty in 4 Easy Steps:

1. Figure out what you need: Home warranties come in all shapes and sizes. Some cover just the essentials like your HVAC system and appliances, while others will cover your entire home from top to bottom. Determine what systems and appliances are most important to you and look for a warranty that covers those items.

2. Do your research: Not all home warranties are created equal. Read reviews and compare features to find the best fit for your needs. 

3. Get quotes: Once you’ve narrowed down your options, get quotes from multiple companies to compare costs.

4. Choose the right plan: Make sure to choose a home warranty that covers all of the items you want covered and fits within your budget. 

What’s the Difference Between a Home Warranty and Home Insurance?

A home warranty is a service contract that covers the repair or replacement of major home appliances and systems, while home insurance protects your home and possessions from damage or loss. While a home warranty can save you money on repairs, it’s important to note that it doesn’t cover everything in your home. Home insurance, on the other hand, provides coverage for your home and belongings in the event of fire, theft, or other disasters.

Cost of a Home Warranty:

A home warranty is an insurance policy that covers the repair or replacement of major home appliances and systems. Most home warranties are purchased by the buyer of a new home as part of their purchase agreement, but they can also be purchased by existing homeowners.

The cost of a home warranty varies depending on the coverage you choose and the provider you use, but most plans start at around $300 per year. Home warranty coverage is typically for one year, but some providers offer longer terms.

While the cost of a home warranty may seem like a lot, it’s important to remember that it can save you thousands of dollars in repairs or replacements if something goes wrong with your home. In addition, many home warranty companies offer discounts if you purchase multiple years of coverage.

If you’re considering purchasing a home warranty, be sure to compare different plans and providers to find the best coverage for your needs.