| Have you bought a house recently and is it the first | | | | Doorbells |
| time that you have bought a house? Then keeping a | | | | Home warranty, unlike home insurance, is not |
| home warranty service contract might benefit you. | | | | mandatory, but optional. The working process of |
| What exactly is home warranty? It is an insurance of | | | | most of the home warranties is as follows: |
| the appliances in your house. It is a system that | | | | 1. When an appliance that is covered by home |
| takes care of the maintenance of most of the | | | | warranty breaks down, the owner informs the home |
| appliances in your house. Home warranty provides | | | | warranty company. |
| repairs and replacements of the appliances, that are | | | | 2. The home warranty company then intimates its |
| covered under it, which break down due to the | | | | provider company. |
| regular use and not because of any accident or any | | | | 3. The provider company in turn calls up the home |
| other unfortunate incident. This system works the | | | | owner and sets up an appointment. |
| best if you have not bought a new house. | | | | 4. The technician from the provider company repairs |
| Once you purchase a home warranty service, the | | | | the concerned appliance. If the appliance is not |
| repairs and replacements are billed directly to the | | | | repairable, then it is replaced. All these costs are |
| home warranty company. You will only have to pay | | | | covered under the home warranty. The home owner |
| the service charge to the technician. Hence it helps | | | | will have to pay the service charge only. |
| you save a lot of money that you would have | | | | The annual premium of the home warranty generally |
| normally spent on the repairs of those appliances. | | | | ranges from 300 to 450 dollars. And every time, the |
| Generally, the home warranty covers the following | | | | service for the appliance if offered, the deductible of |
| appliances: | | | | 50 to 100 dollars is charged. |
| Heating Systems | | | | Before you decide upon the home warranty, it is |
| Water Heater | | | | always better to have a third party inspection of |
| Spa | | | | your house just to ensure if you really need the |
| Ceiling Fans | | | | home warranty. |
| Central A/C | | | | The major home warranty companies are American |
| Pool | | | | Home Shield, First American Home Buyers Protection |
| Plumbing Systems | | | | Corporation, Old Republic Home Protection, Sensible |
| Oven and Range | | | | Home Warranty, Choice Home Warranty and so on. |
| Garbage Disposal | | | | The ratings of the home warranty companies are |
| Plumbing Stoppages | | | | available on many websites. |
| Refrigerator | | | | While deciding upon the home warranty company, |
| Built-in Microwaves | | | | compare the premiums, deductibles and their |
| Clothes Dryer | | | | coverage based on the reviews available online. You |
| Electrical Systems | | | | can also get the information on these home warranty |
| Dishwasher | | | | companies from your real estate agents. |
| Exhaust Fan | | | | So what are you waiting for? If you do not have |
| Ductwork | | | | any appliance protection plans, take that first step to |
| Washing machine | | | | reap the complete benefits of home warranties. It |
| Well Pump | | | | might protect you from costly appliance repair costs. |
| Garage Door Opener | | | | Before you buy home warranty, make sure you |
| Air Conditioning | | | | compare the offers and research the provider. |