What You Need To Know.
When purchasing a home, you can request that the Sellers provide a home warranty for the first year of your ownership. Some Sellers actually offer to provide a home warranty when they list their home. But warranties are not just for real estate transactions...you can add a home warranty to your home at any time throughout your ownership.
How Do Home Warranties Work?
If a home system or appliance breaks down or stops working, you call the home warranty company.
Your home warranty company will call a service provider it has a business arrangement with.
The service provider will call you to make an appointment.
The service provider will fix the problem. If an appliance or system is malfunctioning and can’t be repaired, depending on your contract coverage, your home warranty company will pay to replace and install the appliance.
You will pay a small trade service fee (usually less than $100).
What’s not covered? Check your specific policy, but in general: Outdoor items such as sprinklers.
Refrigerators, washers, dryers and garage door openers.
Spas and pools, unless specific coverage requested.
What can cause denial of a claim?
Unusual wear and tear.
General coverage includes:
Air conditioning, Dishwashers, Doorbells, Furnace/heating systems, Water heaters, Ductwork, Garbage disposals, Inside plumbing stoppages, Ceiling fans, Electrical systems, Range and oven, Telephone wiring.
Please contact me with any questions you have about home warranties.