How to Choose a Home Warranty
A home warranty covers repairs and replacements on appliances and systems in your home. With the number of companies providing home warranties being too big, there are also many warranty scams. This gives homeowners to settle for home warranties suiting their needs. This implies the need for you to research in order to get warranties you can be sure to get help whenever you are in need. Below are guidelines to follow when selecting a home warranty.
Ensure you check what is covered. Different home warranty companies have different categories of plans. Your warranty covers home appliances or systems or both. Different companies cover various items and you should consider items covered by a basic plan.
Check deductibles. The deductible usually differs depending on the amount you pay for a home warranty. If you pay a higher amount as premiums, you will pay lower deductibles. In case you have lived in a home for 12 months or more, higher chances are that you are informed about how occasional service calls will be needed. In case you predict that you will need call services less often, select a deductible that is slightly higher.
You should reflect on the average turnaround time. Ask the customer service representatives about the average turnaround to dispatch and complete the service. Inquire the maximum duration you can be kept waiting before a service appointment during busy seasons. Moreover, consider whether payments will be required if the appliances that are repaired break down a short time after they are repaired.
Be keen on terms with contractors. Investigate whether the company works with licensed contractors. Also, ask if the company allows clients to get their own contractors if it is unable to reach the one who offers service in your area. Moreover, consider whether you can request for another contractor if the one appointed to serve you has a low rating.
Put terms of emergencies into consideration. Make sure you ask what a company considers an emergency and the time required to act on emergency cases. Moreover, ask what happens if customers face emergencies at midnight. Inquire if the company gives reimbursements in instances where clients get emergencies and fail to reach the company then call local technicians.
You should factor in online services availability. Consider a home warranty of a company that accepts service requests throughout the day. In addition, make sure the company has a system through which you can file a claim online. Online services will let you file claims faster without waiting for long for a representative to connect with you so as to submit a complaint.
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