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Homeowners may find it challenging to manage their finances and budget for household expenses. Hidden costs, such as repair bills, add to mortgage and property tax payments, increasing the cost of home ownership. People with fixed monthly budgets can find it challenging to come up with extra funds when household systems or appliances break down.
Anticipating the exact cost of annual home repairs can be difficult. Consequently, some homeowners opt to take out a home warranty to protect themselves against unexpected repair costs. Home warranties cover the cost of repairs for the systems and appliances on the plan you select. Plan holders pay a deductible cost when they need repairs, and their plan covers the rest of the expense.
Homeowners benefit from paying a fixed monthly amount they can incorporate into their budget. Deductible fees are as low as $75. Let’s look at the appliances covered by home warranties and household features, systems, and appliances home warranty plans don’t include.
Your home warranty may cover several appliances:
When looking for a home warranty plan, you must choose a plan that covers your essential needs. Perhaps you’ve purchased an older home but invested in new appliances. You may start with a Systems Plan covering repairs to your electrical system, plumbing system, water heater, ductwork, furnace, and air conditioner. Once the manufacturer warranties expire, you’d want to switch to a plan that also covers your appliances.
Plans including household appliances vary. When you contract one of the best home warranty companies in Georgia, you can choose a plan suited to your needs. A Silver Plan covers repair costs for your refrigerator, oven, range, dishwasher, washing machine, dryer, garage door opener, and garbage disposal. The Gold Plan combines all the systems and appliances covered by the Systems Plan and Silver Plan.
The Platinum Plan covers your household systems and all the appliances included in the Gold Plan. It also covers the cost of repairs for your ice maker and built-in microwave.
Home warranty plans don’t include some features, systems, and appliances.
Homeowners may invest in multiple appliances home warranty companies don’t cover. For example, home warranties don’t cover many kitchen appliances, such as blenders, toasters, and food processors. You’ll have to rely on the manufacturer’s warranty to cover the cost of repairs or pay for a repair technician to fix your appliances.
You may also add an air purifier to your home. A Vremi air purifier has a high-efficiency particulate air (HEPA) filter that serves as one of three filters that extract chemicals and pollutants from the air inside your home. Poor indoor air quality can cause health issues, such as respiratory problems. Using an air purifier can alleviate asthma symptoms and help you sleep at night. Vremi air purifiers are portable, enabling you to move them from room to room and focus on filtering the air in heavily trafficked rooms while having the option to put the air purifier in your bedroom at night.
Over 15 percent of homes in the United States have pools, but home warranty plans don’t automatically include pool and spa coverage. Homeowners with pools must add pool coverage to their plan.
Home warranties don’t cover standalone freezers, either. Many people need more freezer space than their refrigerator provides and opt to use a standalone freezer, but they must add coverage for this appliance to their home warranty plan.
Other appliances and systems you can add to your home warranty include your hot water dispenser, tankless water heater, sump pump, and septic system. Adding appliances and systems to your plan will increase the plan cost, but you won’t have to worry about out-of-pocket expenses for those appliances and systems.
Home warranties that include appliances cover standard appliances such as refrigerators, washers, and dryers. Home warranty companies don’t cover many household appliances, such as blenders and air purifiers.