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6 Reasons Why A Home Warranty Plan Is A Necessity For You Today

Frequently Asked Questions

Best Home Warranty 2025

<h2><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-40891" src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2023/03/First-american-img-for-review.jpg" alt="First-american-img-for-review" width="600" height="400" srcset="https://tower.tophomewarrantyservices.com/wp-content/uploads/2023/03/First-american-img-for-review.jpg 600w, https://tower.tophomewarrantyservices.com/wp-content/uploads/2023/03/First-american-img-for-review-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></h2>
<h2>About First American Home Warranty</h2>
<p>First American Home Warranty is one of the most appealing home warranty options available in the market today. The company has more than 5, 90,000 satisfied customers and a huge experience of over 35 years. It is a great option for homeowners who want to protect their precious home appliances and systems. The company offers you an extensive network of technicians and professionals, a 24/7 open claims service and coverage plans that cover all main items irrespective of their age. Despite their payout caps on a handful of items, their services are definitely higher than the basic industry standards.</p>
<table class="table table-bordered">
<thead>
<tr>
<th scope="col"><span style="color: #2d2d2d;">Accredited by BBB</span></th>
<th scope="col"><span style="color: #2d2d2d;">B+ BBB rating</span></th>
</tr>
<tr>
<th scope="col"><span style="color: #2d2d2d;">Effective In</span></th>
<th scope="col"><span style="color: #2d2d2d;">30 days</span></th>
</tr>
<tr>
<th class="title" scope="row"><span style="color: #2d2d2d;">Hours</span></th>
<td style="direction: rtl; text-align: center;"><span style="color: #2d2d2d;">24/7</span></td>
</tr>
<tr>
<th class="title" scope="row"><span style="color: #2d2d2d;">Cancellation</span></th>
<td style="text-align: center;"><span class="check" style="color: #2d2d2d;">$50 (free for 30 days)</span></td>
</tr>
<tr>
<th class="title" scope="row"><span style="color: #2d2d2d;">Basic Plan</span></th>
<td style="text-align: center;"><span style="color: #2d2d2d;">$300</span></td>
</tr>
<tr>
<th class="title" scope="row"><span style="color: #2d2d2d;">Deductible</span></th>
<td style="text-align: center;"><span class="check" style="color: #2d2d2d;">$75</span></td>
</tr>
<tr>
<th class="title" scope="row"><span style="color: #2d2d2d;">Limits</span></th>
<td style="text-align: center;"><span class="check" style="color: #2d2d2d;">$500-$3500</span></td>
</tr>
<tr>
<th class="title" scope="row"><span style="color: #2d2d2d;">Special Deal</span></th>
<td style="text-align: center;"><span class="check" style="color: #2d2d2d;">$50 off + 1 Month Free</span></td>
</tr>
</thead>
</table>


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Real Home Warranty costs – Getting a clear Idea About the Real Figures

<p>The lifespan of a home is often dependent on the components within the home itself.  Although the brick exterior may last centuries, items such as flooring, appliances and cabinets may have only a few years to their name.<br />
Each item in a home comes with its very own life expectancy and replacement schedule.</p>
<p>Find out the lifespan of you property from data compiled by the National Association of Home Builders and the International Association of Certified Home Inspectors.</p>
<p>&nbsp;</p>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-9618" src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-2-for-post-The-Average-Lifespan-of-a-House.png" alt="Img-2-for-post-The-Average-Lifespan-of-a-House" width="605" height="415" srcset="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-2-for-post-The-Average-Lifespan-of-a-House.png 605w, https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-2-for-post-The-Average-Lifespan-of-a-House-768x526.png 768w" sizes="(max-width: 605px) 100vw, 605px" /></p>
<h2>Exterior Features</h2>
<p>Exterior home features have varying lifespans. While garage door openers, outdoor<br />
caulking and windows may only last a decade (at best), stone veneers ( the highest-ROI<br />
home improvement you can make) can last centuries.</p>
<h3>Here’s a breakdown of some common outdoor features:</h3>
<ul>
<li>Roof: 20-50 years</li>
<li>Brick: 100+ years</li>
<li>Veneer: Lifetime</li>
<li>Caulking: 2-10 years</li>
<li>Stucco: 50-100 years</li>
<li>Wood decking: 10-30 years</li>
<li>Doors: 20 years-lifetime, depending on the material</li>
<li>Poured foundation: Lifetime</li>
<li>Garage door openers: 10-15 years</li>
<li>Paints and stains: 15 years</li>
<li>Shutters: 15-20 years</li>
<li>Gutters: 20-100 years</li>
<li>Asphalt driveway: 15-20 years</li>
<li>Windows: 10-30 years</li>
</ul>
<h2>Appliances</h2>
<p>Of all the home components, appliances have the shortest lifespan. Trash compactors,<br />
microwaves and dehumidifiers take home last place with a replacement needed after<br />
9-10 years. First place goes to gas boilers, furnaces and ranges who respectively last<br />
21, 20 and 15 years.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-partner-contact_number="(929) 400-6109" data-partner-real_tel="+19294006109" data-partner-total_votes="" data-partner-title="{bold: Choice Home Warranty}" data-partner-editor_choice_text_desktop="Best Offer Guarantee" data-partner-mobile_title="4th of July Sale -<br>$75 off + 1 Month Free" data-partner-editor_choice_text_mobile="Best Offer Guarantee" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-partner-conversion_label="twcpCILewJADEMmR_MMC" data-partner-under button text="" data-partner-adoric_event="" data-partner-partner_id="1" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Choice" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-show_more_text="" data-partner-show_less_text="" data-partner-phone_conversion_label="Y-rmCLv8iOYZEMmR_MMC" data-partner-disclaimer="" data-partner-trustpilot_rating="" data-partner-trustpilot_reputation="" data-partner-choose_phone_display_hours="phone display hours" data-partner-advantage="" data-partner-desktop_details_limit="6" data-partner-mobile_details_limit="2" data-partner-slide_down_video="" data-partner-general-offer="https://chwprice.com/nlp/a/a1/index.php?utm_source=t5fm&utm_campaign=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-promote-text="$75 off + 1 month free" data-button-text="VISIT SITE" data-kidon-id="1" data-conversion-label="twcpCILewJADEMmR_MMC" data-button-name="Choice" data-button-type="" data-partner-post-id="cG9zdDoxNDI2" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d2812b1bc class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>$75 off + 1 month free</p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<h3>Here’s a breakdown of some common appliances:</h3>
<ul>
<li>Trash compactors: 6 to 10 years</li>
<li>Dishwashers: 9 years</li>
<li>Washers: 10 years</li>
<li>Dryers: 13 years</li>
<li>Freezers: 11 years</li>
<li>Refrigerators: 9 to 13 years</li>
<li>Water heaters: 10 to 11 years</li>
<li>Furnaces: 15 to 20 years</li>
<li>Window air conditioners: 5 to 7 years</li>
<li>Household Systems</li>
<li>In most homes, electrical systems have the longest lifespans, though solar panels score<br />
high too. Air ducts, air conditioners and security systems need to be replaced the<br />
soon.</li>
<li>Security: 5 to 10 years</li>
<li>Air conditioner: 10 to 15 years</li>
<li>Smoke detectors: 10 years</li>
<li>Thermostats: 35 years</li>
<li>Air ducting: 10 years</li>
<li>Solar panels: 20 to 30 years</li>
<li>AFCI &amp; GFCI circuit breakers: 30 years</li>
<li>Electrical service panel: 60 years</li>
<li>Propane generator: 30 years</li>
</ul>
<h2>Plumbing</h2>
<p>Most plumbing features have a rather lengthy lifespan. When it comes to sinks, the life expectancy is dependent upon the fixture’s material; enamel steel sinks last 5-10 years while soapstone sinks last 100 years+.</p>
<ul>
<li>Faucets: 10 to 20 years</li>
<li>Toilets: Lifetime Whirlpool tubs: 20 to 50 years</li>
<li>Sinks: 5 to 100 years</li>
<li>Showerheads: 100 years</li>
<li>Underground PVC piping: 25 years</li>
<li>Well pumps: 15 years</li>
</ul>
<p><img loading="lazy" decoding="async" class="alignnone wp-image-9631 size-full" src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-What-is-a-Home-Warranty.png" alt="Img-for-post-What-is-a-Home-Warranty" width="605" height="415" srcset="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-What-is-a-Home-Warranty.png 605w, https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-What-is-a-Home-Warranty-768x526.png 768w" sizes="(max-width: 605px) 100vw, 605px" /></p>
<p>&nbsp;</p>
<h2>Other Features</h2>
<p>Cabinetry’s lifespan is dependent on its location in the house. Medicine-style cabinets, entertainment centers and home office cabinets usually last around 10 years. Cabinets in the laundry room, closets and the garage can last between 50 and 100 years.</p>
<p>Similarly, the material of your countertop affects its lifespan. Marble and concrete countertops usually last 50 years, while laminate counters live between 20 and 30 years. On the other hand, tile, wood and natural stone can withstand centuries of use.</p>
<p>Flooring lifespans also vary depending on the material. Cheaper options such as linoleum, vinyl and laminate will only last 25 years, while wood, bamboo, brick, marble, slate and tile can reach 100+ years.</p>
<p>&nbsp;</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg" data-partner-contact_number="(855) 552-3098" data-partner-real_tel="+18555523098" data-partner-total_votes="" data-partner-title="{bold:Select Home Warranty}" data-partner-editor_choice_text_desktop="" data-partner-mobile_title="4th July Sale: Up to 40% Off" data-partner-editor_choice_text_mobile="" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-mobile-.svg" data-partner-conversion_label="xcyCCJ-tyJADEMmR_MMC" data-partner-under button text="" data-partner-partner_id="4" data-partner-adoric_event="" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Select" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-show_more_text="" data-partner-show_less_text="" data-partner-phone_conversion_label="QU8VCKqZwOcZEMmR_MMC" data-partner-disclaimer="" data-partner-trustpilot_rating="" data-partner-trustpilot_reputation="" data-partner-advantage="" data-partner-desktop_details_limit="6" data-partner-mobile_details_limit="2" data-partner-slide_down_video="" data-partner-choose_phone_display_hours="phone display hours" data-partner-general-offer="https://quote.selecthomewarranty.com/affiliate/SmLeads?subid=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg" data-promote-text="Get $150 off + 2  month free" data-button-text="VISIT SITE" data-kidon-id="4" data-conversion-label="xcyCCJ-tyJADEMmR_MMC" data-button-name="select" data-button-type="" data-partner-post-id="cG9zdDoxNDIw" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d2813235c class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>Get $150 off + 2  month free</p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<h2>Where Does Your Home Stand?</h2>
<p>The median age of homes in the U.S. is 37 years. If your home is older than that, it’s most likely time for a repair or upgrade here or there. Since 2005, the age of U.S. housing stock has raised 6 years.</p>
<p>The Northeast is home to the oldest housing stock in the country; Massachusetts and Rhode Island take home the highest median house age with 54 and 53 years. The newest housing is in Nevada (21 years), Georgia (25 years) and Arizona (25 years).</p>
<p>When buying a home, it’s important to know the age of the property. Before closing the deal, be sure to add a home inspection contingency into your offer. This will allow you to have your home professionally inspected before signing any contracts.</p>
<p>Create a Home Maintenance Schedule No matter the age of your home, it’s crucial to have a home maintenance schedule in place. Extend your air conditioner and heating’s lifespan by cleaning your gutters,</p>
<p>changing your air filters and annually checking your HVAC. Ensure your home’s exterior lasts decades by regularly trimming back trees, cleaning the gutters and pressure washing the deck.</p>


The Average Lifespan of a House

<p>Before buying a home warranty plan, ask yourself these 5 questions:</p>
<p>Normally, buying a home is an expensive proposition. The median price of a house in the United States is now $226,800, 6.1% higher than last year, according to Zillow, the online real estate marketplace.<br />
As you figure out how to protect your investment, don’t be tempted by TV and online ads that are pitching home warranties. They typically promise to protect against things that aren’t covered by traditional homeowners insurance policies.</p>
<p>These types of warranties are actually service contracts. Meaning, they guarantee to pay the cost of repair or replacement if covered items stop working.</p>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-9660" src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-What-to-Know-About-Buying-a-Home-Warranty.jpg" alt="Img-for-post-What-to-Know-About-Buying-a-Home-Warranty" width="605" height="415" srcset="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-What-to-Know-About-Buying-a-Home-Warranty.jpg 605w, https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-What-to-Know-About-Buying-a-Home-Warranty-768x526.jpg 768w" sizes="(max-width: 605px) 100vw, 605px" /></p>
<h2>Limitations of Home Warranties</h2>
<p>Having a home warranty might provide you with some peace of mind. However, you should realize that providers of these plans always build in wiggle room that can make things easier for them to deny payouts. As a result, a lot of consumers complain to the Better Business Bureau about home warranties since they didn’t get the benefits they expected.<br />
One possible alternative to buying one of these plans is to simply self-insure. For a long time, consumer reports have recommended that people put the money they would spend on a home warranty or a service contract into a savings account specifically for product repair or replacement. Or, you can simply stash extra money in your emergency fund. Whichever way you choose, you won’t risk paying for a plan that might not even provide the coverage you expected in the first place.<br />
If you’re thinking of <a href="https://tower.tophomewarrantyservices.com/what-is-a-home-warranty/" target="_blank" rel="noopener noreferrer">buying a home warranty</a>, your first step should be evaluating whether it covers what you want it to. Keep in mind, there are plenty of limitations. These plans normally don’t cover non-mechanical items like windows or structures of the house, for example.<br />
Also, remember that if you’re buying a new house, the items inside are probably still covered by the manufacturer’s warranty and the builder’s warranty. You might want to consider a home warranty if the house and therefore, the appliances, are older.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-partner-contact_number="(929) 400-6109" data-partner-real_tel="+19294006109" data-partner-total_votes="" data-partner-title="{bold: Choice Home Warranty}" data-partner-editor_choice_text_desktop="Best Offer Guarantee" data-partner-mobile_title="4th of July Sale -<br>$75 off + 1 Month Free" data-partner-editor_choice_text_mobile="Best Offer Guarantee" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-partner-conversion_label="twcpCILewJADEMmR_MMC" data-partner-under button text="" data-partner-adoric_event="" data-partner-partner_id="1" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Choice" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-show_more_text="" data-partner-show_less_text="" data-partner-phone_conversion_label="Y-rmCLv8iOYZEMmR_MMC" data-partner-disclaimer="" data-partner-trustpilot_rating="" data-partner-trustpilot_reputation="" data-partner-choose_phone_display_hours="phone display hours" data-partner-advantage="" data-partner-desktop_details_limit="6" data-partner-mobile_details_limit="2" data-partner-slide_down_video="" data-partner-general-offer="https://chwprice.com/nlp/a/a1/index.php?utm_source=t5fm&utm_campaign=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-promote-text="$75 off + 1 month free" data-button-text="VISIT SITE" data-kidon-id="1" data-conversion-label="twcpCILewJADEMmR_MMC" data-button-name="Choice" data-button-type="" data-partner-post-id="cG9zdDoxNDI2" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d29fabc5c class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>$75 off + 1 month free</p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<h2>5 Questions to Ask About Coverage</h2>
<p>Before purchasing a home warranty, consider how comfortable you are with the answers to these questions:</p>
<h4>1. Do I already have protection?</h4>
<p>As we’ve said earlier, new home appliances can already be covered. Even if your appliances aren’t so new, they might still be under warranty if you bought them with a credit card. The reason for this is since some credit cards extend warranty length.</p>
<h4>2. How much will this coverage cost?</h4>
<p>The answer to this question depends on the kind of plan you buy and which provider you choose. Generally, you can purchase one of three kinds of home warranty: <a href="https://tower.tophomewarrantyservices.com/a-quick-and-easy-guideline-to-the-best-home-appliance-insurance/" target="_blank" rel="noopener noreferrer">a plan for a specific appliance</a>, a plan for all appliances, or a plan for your plumbing and electrical systems.<br />
Prices can also vary depending on where you live. For example, a home that covers most major appliances costs about $480 annually for a house in central Ohio. One that also includes the home’s electric and plumbing systems can cost close to $600.<br />
In comparison, a homeowner in Westchester, N.Y., might pay $900 to cover major appliances and $1,020 to include electric and plumbing.<br />
Aside from the cost of the plan, there are most likely going to be additional expenses. If you have some kind of problem a specific appliance or system, even one that’s covered, you’ll have to make a copayment which can range between $60 to $125 depending on the work that has to be done.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg" data-partner-contact_number="(855) 552-3098" data-partner-real_tel="+18555523098" data-partner-total_votes="" data-partner-title="{bold:Select Home Warranty}" data-partner-editor_choice_text_desktop="" data-partner-mobile_title="4th July Sale: Up to 40% Off" data-partner-editor_choice_text_mobile="" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-mobile-.svg" data-partner-conversion_label="xcyCCJ-tyJADEMmR_MMC" data-partner-under button text="" data-partner-partner_id="4" data-partner-adoric_event="" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Select" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-show_more_text="" data-partner-show_less_text="" data-partner-phone_conversion_label="QU8VCKqZwOcZEMmR_MMC" data-partner-disclaimer="" data-partner-trustpilot_rating="" data-partner-trustpilot_reputation="" data-partner-advantage="" data-partner-desktop_details_limit="6" data-partner-mobile_details_limit="2" data-partner-slide_down_video="" data-partner-choose_phone_display_hours="phone display hours" data-partner-general-offer="https://quote.selecthomewarranty.com/affiliate/SmLeads?subid=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg" data-promote-text="Get $150 off + 2  month free" data-button-text="VISIT SITE" data-kidon-id="4" data-conversion-label="xcyCCJ-tyJADEMmR_MMC" data-button-name="select" data-button-type="" data-partner-post-id="cG9zdDoxNDIw" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d29faeec3 class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>Get $150 off + 2  month free</p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<h4>3. Am I clear about what the warranty covers?</h4>
<p>It is said that most of the complaints the BBB receives about home warranties stem from the fact that customers don’t fully understand the coverage their plans provide.<br />
Be sure to read the terms and conditions very carefully. When examining home warranty plans, it has been found that some policies will cover your fridge but not the ice maker that comes with it. Other policies can cover your hot-water heater but not the water tank itself.<br />
At times, if your appliance breaks under specific circumstances, it won’t be covered. For example, an oven might not be covered if it stops working while it’s in self-clean mode or if it got damaged by a power surge.</p>
<p>It could also matter how you care for your appliances. If you haven’t maintained it properly or if it wasn’t applied correctly, the home warranty provider might argue it can refuse to pay for repairs. Even if there was a pre-existing condition that wasn’t evident to you when you bought the home warranty, the provider can deny coverage of said item.</p>
<h4><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-9671" src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-2-for-post-What-to-Know-About-Buying-a-Home-Warranty.jpg" alt="Img-2-for-post-What-to-Know-About-Buying-a-Home-Warranty" width="605" height="415" srcset="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-2-for-post-What-to-Know-About-Buying-a-Home-Warranty.jpg 605w, https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-2-for-post-What-to-Know-About-Buying-a-Home-Warranty-768x526.jpg 768w" sizes="(max-width: 605px) 100vw, 605px" /></h4>
<h4>4. Will this plan fix or replace a broken item?</h4>
<p>For the most part, home warranties explain that if a repair is too expensive, the provider might offer to replace the broken item instead. In a situation like this, the home warranty company might give you the depreciated value of the item and require you to pay the difference on your own in order to get the same model you had before.</p>
<h4>5. Are there limits to the amount the plan will pay out?</h4>
<p>The short answer is, yes, there are. But, they depend on what kind of plan you purchase from your provider. Over the term of 12 months, a plan can choose how much they pay, say up to $2,000 to access, diagnose, repair, or replace each item that’s covered.</p>


What-to-Know-About-Buying-a-Home-Warranty-cover

What to Know About Buying a Home Warranty?

<p>There are homeowners that swear by them while some hate them. After closing on a house, the last thing a home buyer would want is a malfunction in the new home, but it can happen all the same. That’s why it’s a good idea to get a home protection plan or warranty so you don’t need to worry about it. It will cover the costs if something goes wrong. It’s an especially good idea to get a home warranty if you’re a <a href="https://tower.tophomewarrantyservices.com/home-warranty-coverage-a-beginners-guide/" target="_blank" rel="noopener noreferrer">first-time home buyer</a> without any experience in maintaining a home.</p>
<p>&nbsp;</p>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-9676" src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-Who-Pays-for-a-Home-Warranty-Plan-and-How-Does-One-Work.jpg" alt="Img-for-post-Who-Pays-for-a-Home-Warranty-Plan-and-How-Does-One-Work" width="605" height="415" srcset="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-Who-Pays-for-a-Home-Warranty-Plan-and-How-Does-One-Work.jpg 605w, https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-Who-Pays-for-a-Home-Warranty-Plan-and-How-Does-One-Work-768x526.jpg 768w" sizes="(max-width: 605px) 100vw, 605px" /></p>
<p>&nbsp;</p>
<h4>Who Pays for a Home Warranty?</h4>
<p>Whether the <span class="yogev">seller pays </span> for the home protection plan or the buyer pays will depend on your local customs. It’s perfectly normal for a seller to pay for the coverage in places because it’s a seller benefit. However, the buyer won’t be calling the seller after closing if something happens to break.</p>
<h4>How Much Does it Cost?</h4>
<p>As of 2019, these plans aren’t too expensive. They can range from $350 to $600 a year. However, the price can also depend on your coverage. Home warranty companies run specials at times in which they’ll either discount policy prices or offer additional coverage for the exact same price.</p>
<p>Generally, policies are paid for a year in advance. They can be renewed by the homeowner once they expire.</p>
<h4>How Do They Work?</h4>
<p>There are plans which provide specific types of coverage, but most tend to operate in a similar manner and contain common verbiage.</p>
<p>The homeowner calls the home warranty company if a system or appliance breaks or stops working.<br />
The home warranty company calls a provider that is had a business arrangement with.<br />
The provider calls the homeowner to make an appointment.<br />
The provider fixes the problem. The warranty company will pay to replace and install the appliance if it can’t be fixed, depending on the contract coverage.<br />
The homeowner will pay a small trade service fee for the visit which can range from $60 to $100. You can negotiate the amount when you sign up for the plan.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-partner-contact_number="(929) 400-6109" data-partner-real_tel="+19294006109" data-partner-total_votes="" data-partner-title="{bold: Choice Home Warranty}" data-partner-editor_choice_text_desktop="Best Offer Guarantee" data-partner-mobile_title="4th of July Sale -<br>$75 off + 1 Month Free" data-partner-editor_choice_text_mobile="Best Offer Guarantee" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-partner-conversion_label="twcpCILewJADEMmR_MMC" data-partner-under button text="" data-partner-adoric_event="" data-partner-partner_id="1" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Choice" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-show_more_text="" data-partner-show_less_text="" data-partner-phone_conversion_label="Y-rmCLv8iOYZEMmR_MMC" data-partner-disclaimer="" data-partner-trustpilot_rating="" data-partner-trustpilot_reputation="" data-partner-choose_phone_display_hours="phone display hours" data-partner-advantage="" data-partner-desktop_details_limit="6" data-partner-mobile_details_limit="2" data-partner-slide_down_video="" data-partner-general-offer="https://chwprice.com/nlp/a/a1/index.php?utm_source=t5fm&utm_campaign=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-promote-text="$75 off + 1 month free" data-button-text="VISIT SITE" data-kidon-id="1" data-conversion-label="twcpCILewJADEMmR_MMC" data-button-name="Choice" data-button-type="" data-partner-post-id="cG9zdDoxNDI2" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d2814c143 class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>$75 off + 1 month free</p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<h4>Types of Coverage</h4>
<p>You want to ask exactly what is covered under your plan since all plans are different from one another. Ask your real estate agent if upgrades are available, and pay attention to whether the warranty company will pay for repairs to make certain systems or appliances compliant with the new regulations.</p>
<h4>General Coverage in a Home Warranty</h4>
<h4>The issues that are typically covered by insurance include:</h4>
<ul>
<li>Air conditioning</li>
<li>Kitchen appliances</li>
<li>Washers and dryers</li>
<li>Doorbells</li>
<li>Furnace/heating</li>
<li>Water heater</li>
<li>Ductwork to code</li>
<li>Garbage disposals</li>
<li>Inside plumbing stoppages</li>
<li>Ceiling fans</li>
<li>Electrical systems</li>
<li>Range and oven</li>
</ul>
<p>The <a href="https://tower.tophomewarrantyservices.com/how-to-choose-a-home-warranty-company/" target="_blank" rel="noopener noreferrer">coverage for a home warranty plan</a> can vary from policy to policy as well as from state to state. So, before committing to anything, ask to see a sample copy of a policy. Some homeowners swear by home warranty plans while others absolutely hate them.</p>
<p>&nbsp;</p>
<h4><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-9680" src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-2-for-post-Who-Pays-for-a-Home-Warranty-Plan-and-How-Does-One-Work.jpg" alt="Img-2-for-post-Who-Pays-for-a-Home-Warranty-Plan-and-How-Does-One-Work" width="605" height="415" srcset="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-2-for-post-Who-Pays-for-a-Home-Warranty-Plan-and-How-Does-One-Work.jpg 605w, https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-2-for-post-Who-Pays-for-a-Home-Warranty-Plan-and-How-Does-One-Work-768x526.jpg 768w" sizes="(max-width: 605px) 100vw, 605px" /></h4>
<h4></h4>
<h4>What Might Not Be Covered</h4>
<h4>Not everything that goes wrong in a house will be covered by your plan. Home warranties might not cover:</h4>
<ul>
<li>Outdoor items like sprinklers</li>
<li>Faucet repairs &#8211; this can vary</li>
<li>Refrigerators, washers, dryers, or garage door openers</li>
<li>Spa or pools unless specifically requested</li>
<li>Permit fees</li>
<li>Haul-aways</li>
<li>Items that were broken before closing on the house</li>
<li>Exclusions listed in the policy</li>
<li>Make sure to double-check your specific policy to see what is and isn’t covered</li>
</ul>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/09/The-Home-Service-Club-logo.svg" data-partner-contact_number="(800) 886-6204" data-partner-real_tel="+18008866204" data-partner-total_votes="" data-partner-title="{bold:Home Service Club}" data-partner-editor_choice_text_desktop="" data-partner-mobile_title="Plans start at $1 a day" data-partner-editor_choice_text_mobile="" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/09/The-Home-Service-Club-logo.svg" data-partner-conversion_label="zbjfCOjgirADEMmR_MMC" data-partner-partner_id="27" data-partner-under button text="" data-partner-adoric_event="" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Home Service Club" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-general-offer="https://myhscwarranty.com/lp/hscg/index.php?utm_source=76568&utm_campaign=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/09/The-Home-Service-Club-logo.svg" data-promote-text="$75 Off + 1 Month free " data-button-text="VISIT SITE" data-kidon-id="27" data-conversion-label="zbjfCOjgirADEMmR_MMC" data-button-name="The home service club " data-button-type="" data-partner-post-id="cG9zdDoxNDI3" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d2814e910 class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/09/The-Home-Service-Club-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>$75 Off + 1 Month free </p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<h4>What Can Cause Denial Of Payment?</h4>
<h4>At times, it can seem like the company is purposely looking for a way not to cover your claim, and at times, that can be accurate. It might happen for a few reasons:</h4>
<ol>
<li>Improper maintenance.</li>
<li>A pre-existing condition which was disclosed in a home inspection.</li>
<li>Code violations.</li>
<li>Unusual wear and tear.</li>
<li>Improper installation.</li>
</ol>
<h4>What If You Disagree With the Outcome?</h4>
<p>A service provider can deny a claim. When that happens, call your real estate agent and complain. Your agent can figure out a solution if they have a good working relationship with the representative from the home warranty company.</p>


Who-Pays-for-a-Home-Warranty-Plan-and-How-Does-One-Work-cover

Who Pays for a Home Warranty Plan and How Does One Work?

<p>Just as there are plenty of great home warranty providers around, there are just as many companies who are trying to take your money and leave you empty-handed. Every year new businesses start just as old businesses close up. To save you some stress, we have created a list of tips and tricks for home warranty buyers to be sure you’re getting the best policy.</p>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-9668" src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-How-To-Choose-A-Home-Warranty-Company.jpg" alt="Img-for-post-How-To-Choose-A-Home-Warranty-Company" width="605" height="415" srcset="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-How-To-Choose-A-Home-Warranty-Company.jpg 605w, https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-How-To-Choose-A-Home-Warranty-Company-768x526.jpg 768w" sizes="(max-width: 605px) 100vw, 605px" /></p>
<h4></h4>
<h4>Use A Calculator</h4>
<p>The best way to find out if you need a home warranty policy and how much you need to spend on one is to use a home maintenance calculator to estimate your <a href="https://tower.tophomewarrantyservices.com/a-quick-and-easy-guideline-to-the-best-home-appliance-insurance/" target="_blank" rel="noopener noreferrer">costs for appliances</a>. A calculator will let you compare the cost of maintaining your items to the cost of taking out a home warranty policy.</p>
<h4>Get The Opinion Of Your Friends And Neighbors</h4>
<p>Ask those around you if they have purchased home warranty policies. The best people to ask are your friends and neighbors who may be in similar positions that you are in. Ask them which companies they have used and get their opinions on their experiences with these companies to see which would be a good fit for you.</p>
<h4>Research Before Making A Decision</h4>
<p>Based on your research and what people have recommended to you, make a list of the local companies that seem to be a good fit for you to look into more closely. There are tons of websites where you can <a href="https://tower.tophomewarrantyservices.com/review/" target="_blank" rel="noopener noreferrer">check out the reviews</a> of these companies and filter the companies by cost, number of reviews, and other options.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-partner-contact_number="(929) 400-6109" data-partner-real_tel="+19294006109" data-partner-total_votes="" data-partner-title="{bold: Choice Home Warranty}" data-partner-editor_choice_text_desktop="Best Offer Guarantee" data-partner-mobile_title="4th of July Sale -<br>$75 off + 1 Month Free" data-partner-editor_choice_text_mobile="Best Offer Guarantee" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-partner-conversion_label="twcpCILewJADEMmR_MMC" data-partner-under button text="" data-partner-adoric_event="" data-partner-partner_id="1" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Choice" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-show_more_text="" data-partner-show_less_text="" data-partner-phone_conversion_label="Y-rmCLv8iOYZEMmR_MMC" data-partner-disclaimer="" data-partner-trustpilot_rating="" data-partner-trustpilot_reputation="" data-partner-choose_phone_display_hours="phone display hours" data-partner-advantage="" data-partner-desktop_details_limit="6" data-partner-mobile_details_limit="2" data-partner-slide_down_video="" data-partner-general-offer="https://chwprice.com/nlp/a/a1/index.php?utm_source=t5fm&utm_campaign=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-promote-text="$75 off + 1 month free" data-button-text="VISIT SITE" data-kidon-id="1" data-conversion-label="twcpCILewJADEMmR_MMC" data-button-name="Choice" data-button-type="" data-partner-post-id="cG9zdDoxNDI2" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d29f7fca6 class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>$75 off + 1 month free</p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<h4>Ask For A Free Quote</h4>
<p>After you’ve done your research and found the last-standing best options for you, ask them for a free cost estimate. You can do this by submitting your zip code and email address to them, or by calling them on the phone and speaking with a representative.</p>
<h4>Ask What Items Are Protected</h4>
<p>Of course, different companies offer different plans. Depending on your personal preferences, you may want a plan that only covers your home systems or appliances, or you may want to look into a plan that will protect both your home systems and your appliances. Some companies have small details of things they will cover or not cover that is different in other companies, so it’s very important to ask for specific items.</p>
<h4>What’s Your Deductible?</h4>
<p>Depending on the plan you choose, your deductible will vary. A call for service will usually cost somewhere between $50 and $125, depending which plan you sign up for. Generally speaking, if you pay more annually, you will have a lower deductible. If you’ve been residing in your home for over a year you may know better how often you may need to call for service. If you don’t think you’ll need service very often, you may feel more comfortable signing on to having a higher deductible.</p>
<h4>Completion Time</h4>
<p>Finding a company that will be able to service you quickly is important, so it’s a good idea to ask the customer service representative what the average completion time is before signing up for a company’s service. You should ask them what the maximum wait might be to get service during a busy time and if you’ll need to pay for another service call if something breaks again shortly after it’s been repaired.</p>
<h4>Contractor Terms</h4>
<p>You should ask the customer service representative if this specific company uses licensed contractors, and if you’re allowed to hire your own contractor if one provided from them is not available in your area or if the one that is available in your area has a bad rating.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg" data-partner-contact_number="(855) 552-3098" data-partner-real_tel="+18555523098" data-partner-total_votes="" data-partner-title="{bold:Select Home Warranty}" data-partner-editor_choice_text_desktop="" data-partner-mobile_title="4th July Sale: Up to 40% Off" data-partner-editor_choice_text_mobile="" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-mobile-.svg" data-partner-conversion_label="xcyCCJ-tyJADEMmR_MMC" data-partner-under button text="" data-partner-partner_id="4" data-partner-adoric_event="" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Select" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-show_more_text="" data-partner-show_less_text="" data-partner-phone_conversion_label="QU8VCKqZwOcZEMmR_MMC" data-partner-disclaimer="" data-partner-trustpilot_rating="" data-partner-trustpilot_reputation="" data-partner-advantage="" data-partner-desktop_details_limit="6" data-partner-mobile_details_limit="2" data-partner-slide_down_video="" data-partner-choose_phone_display_hours="phone display hours" data-partner-general-offer="https://quote.selecthomewarranty.com/affiliate/SmLeads?subid=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg" data-promote-text="Get $150 off + 2  month free" data-button-text="VISIT SITE" data-kidon-id="4" data-conversion-label="xcyCCJ-tyJADEMmR_MMC" data-button-name="select" data-button-type="" data-partner-post-id="cG9zdDoxNDIw" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d29f873b4 class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>Get $150 off + 2  month free</p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<h4>In Case Of Emergency</h4>
<p>Find out what exactly is considered an emergency, and how long it will take for them to come out and fix something that is considered to be an emergency. How do they handle emergencies that happen in the middle of the night? Make sure you are clear on whether you will be reimbursed or not if you have to contact your own technician in case of an emergency.</p>
<h4>When Does The Policy Begin?</h4>
<p>It varies by company when exactly your new policy will begin; some companies make you wait a month after you’ve made your first payment before the policy will begin, while some other companies let you start immediately. If you have something that needs to be fixed immediately, make sure to find a company that will let your policy start right away.</p>
<h4>Around The Clock Services</h4>
<p>Try to find a company which allows new service requests 24/7 and will even allow you to submit new claims online. Finding a company with online services will save you a lot of time waiting on hold for a representative, and will help be sure that your file actually got sent in properly.</p>
<h4>Read The Policy Thoroughly</h4>
<p>Read through the policy agreement thoroughly to be certain that everything you need covered is included in the contract. Though it is unlikely, there is always a possibility that the representative could have forgotten to include something you asked for in your policy. It is better to read</p>
<p>the policy word-for-word now than to get a surprise later that something is not covered.</p>
<p>&nbsp;</p>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-9647" src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-The-Questions-You-Should-Be-Asking-Your-Home-Warranty-Company.jpg" alt="Img-for-post-The-Questions-You-Should-Be-Asking-Your-Home-Warranty-Company" width="605" height="415" srcset="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-The-Questions-You-Should-Be-Asking-Your-Home-Warranty-Company.jpg 605w, https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-The-Questions-You-Should-Be-Asking-Your-Home-Warranty-Company-768x526.jpg 768w" sizes="(max-width: 605px) 100vw, 605px" /></p>
<h4></h4>
<h4>Read The Fine Print</h4>
<p>No matter how great a contract sounds, it always has the fine print you need to pay attention to. Make sure to read through the fine print very carefully before signing any contract. It’s always a good thing to know what is covered as well as to what extent. This way, when the time comes to file a claim, you know the extent of the contract and you won’t get any unpleasant surprises. There is always a chance that the company could be occupied with a lot of work and therefore say that a certain appliance or repair isn’t covered. If you know exactly which repairs are covered in your contract, you’ll be able to make the most of the policy.</p>
<h4>Figure Out Buyouts</h4>
<p>In the case of a buyout, figure out how the company would reimburse the money to you, how the procedure would go, and how long it would be. Be sure to check with the company if they are flexible enough to allow you to add money and buy an appliance that costs more at the time of a replacement. Another thing not to forget is reading online reviews. Find out if there is a tedious process to get reimbursed from the company.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/09/The-Home-Service-Club-logo.svg" data-partner-contact_number="(800) 886-6204" data-partner-real_tel="+18008866204" data-partner-total_votes="" data-partner-title="{bold:Home Service Club}" data-partner-editor_choice_text_desktop="" data-partner-mobile_title="Plans start at $1 a day" data-partner-editor_choice_text_mobile="" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/09/The-Home-Service-Club-logo.svg" data-partner-conversion_label="zbjfCOjgirADEMmR_MMC" data-partner-partner_id="27" data-partner-under button text="" data-partner-adoric_event="" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Home Service Club" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-general-offer="https://myhscwarranty.com/lp/hscg/index.php?utm_source=76568&utm_campaign=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/09/The-Home-Service-Club-logo.svg" data-promote-text="$75 Off + 1 Month free " data-button-text="VISIT SITE" data-kidon-id="27" data-conversion-label="zbjfCOjgirADEMmR_MMC" data-button-name="The home service club " data-button-type="" data-partner-post-id="cG9zdDoxNDI3" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d29f8b6d2 class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/09/The-Home-Service-Club-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>$75 Off + 1 Month free </p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<h4>Coverage On Existing Conditions</h4>
<p>There are home warranty companies that cover pre-existing conditions while others don’t cover repairs that are related to pre-existing conditions. A lot of the time, certain pre-existing conditions can’t be identified by a visual inspection or a simple mechanical test. It’s best to opt for a company that covers pre-existing conditions since there are companies that sometimes deny claims that it was a pre-existing condition.</p>
<h4>Replacements Cap</h4>
<p>Find out what the company’s cap on replacements is. With expensive repair and certain replacements, the home warranty company might not cover the entire cost. In these cases, the homeowner is expected to pay the difference. Make sure to ask the company representative what the cap amount is and compare it with other companies.</p>
<h4>Check Out The Customer Service</h4>
<p>Pay attention to the company representatives and how they talk to you and treat you. See that they make time to clarify your questions properly, and how friendly and willing to help they are. It’s not always possible to find a home warranty company that has all these conditions, but try to make sure that it has most of them. If you follow these 17 tips, you’ll have a reliable home warranty policy.</p>
<p>&nbsp;</p>


How-To-Choose-A-Home-Warranty-Company-cover

How To Choose A Home Warranty Company?

<p>During summers, it is almost impossible to imagine our days without the home cooling units! Similarly, during the chilly winter days, it is the home heating units that help us stay warm and protected from the winter cold. In fact, it is the cooling and heating units that work the hardest all year round to keep us safe and comfortable. But they are machines and it is inevitable that they fail once in a while.</p>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-9637" src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-Frequently-Asked-Questions.jpg" alt="Img-for-post-Frequently-Asked-Questions" width="605" height="415" srcset="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-Frequently-Asked-Questions.jpg 605w, https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-Frequently-Asked-Questions-768x526.jpg 768w" sizes="(max-width: 605px) 100vw, 605px" /></p>
<p>Repairing or replacing a heating or cooling unit can be a very expensive matter which can put a hole in your pockets and upset your savings. In fact, repairing or replacing your heating or cooling system can cost you a couple of thousand dollars. It is at these times that a <a href="https://tower.tophomewarrantyservices.com/how-to-choose-a-home-warranty-company/" target="_blank" rel="noopener noreferrer">good home warranty service</a> can help you save your money and also get your HVAC unit repaired or replaced based on its requirement. A good home warranty service must cover your home’s heating and cooling system also including its parts, even when the unit stops working unexpectedly.</p>
<p>Fortunately, there are many home warranties that offer HVAC coverage. In case your company doesn’t offer, you may simply request them to add the service to your policy at a reasonable rate. So, before your heating unit or cooling system fails and causes a disaster in your house, it is best that you choose the best home warranty service.<br />
Here are some of the most popular and promising home warranties that offer coverage for almost all your home systems including, A/C and heating systems.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-partner-contact_number="(929) 400-6109" data-partner-real_tel="+19294006109" data-partner-total_votes="" data-partner-title="{bold: Choice Home Warranty}" data-partner-editor_choice_text_desktop="Best Offer Guarantee" data-partner-mobile_title="4th of July Sale -<br>$75 off + 1 Month Free" data-partner-editor_choice_text_mobile="Best Offer Guarantee" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-partner-conversion_label="twcpCILewJADEMmR_MMC" data-partner-under button text="" data-partner-adoric_event="" data-partner-partner_id="1" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Choice" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-show_more_text="" data-partner-show_less_text="" data-partner-phone_conversion_label="Y-rmCLv8iOYZEMmR_MMC" data-partner-disclaimer="" data-partner-trustpilot_rating="" data-partner-trustpilot_reputation="" data-partner-choose_phone_display_hours="phone display hours" data-partner-advantage="" data-partner-desktop_details_limit="6" data-partner-mobile_details_limit="2" data-partner-slide_down_video="" data-partner-general-offer="https://chwprice.com/nlp/a/a1/index.php?utm_source=t5fm&utm_campaign=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-promote-text="$75 off + 1 month free" data-button-text="VISIT SITE" data-kidon-id="1" data-conversion-label="twcpCILewJADEMmR_MMC" data-button-name="Choice" data-button-type="" data-partner-post-id="cG9zdDoxNDI2" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d28170cf9 class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>$75 off + 1 month free</p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<p><strong>What’s Good?</strong></p>
<p>&#8211; Covers almost everything system and appliance that is inside and outside your home.</p>
<p>&#8211; Almost every home appliance is covered by their plans.</p>
<p>&#8211; Both plans give you access to the best repair service providers who are qualified and screened to ensure only the best repair services.</p>
<p>&#8211; Allows you to build your own customized home warranty plan or customize their current plans according to your needs.</p>
<p>&#8211; Ensures you maximum and necessary coverage</p>
<p>&#8211; Offers you optional coverage on a few expensive parts or systems of your home such as swimming pools, sump pumps, spas, roof leaks and septic system.</p>
<p>Choice Home Warranty is one of the top-runners in the home warranty market. They have the largest list of long-term customers and offer home warranty plans at the best competitive market rates. So, if you are a homeowner, a landlord or a realtor, Choice home Warranty is the perfect choice for you.</p>
<h4>Select Home Warranty</h4>
<p><strong>What’s Good?</strong></p>
<p>&#8211; Offers comprehensive coverage to their customers</p>
<p>&#8211; You can secure your home, home appliances and systems at an affordable rate</p>
<p>&#8211; Offers flexibility in claims to customers and allows you to include you’re A/C and heating units in your plan</p>
<p>&#8211; Making a claim is quick and easy</p>
<p>&#8211; Allows you to schedule repairs and other services without disrupting your daily schedule.</p>
<p>&#8211; Ideal for new homes</p>
<p>&#8211; New warranties and plans can receive up to $100 discount and Free additional coverage for a few months.</p>
<p><a href="https://tophomewarrantyservices.com/select-home-warranty-review/" target="_blank" rel="noopener noreferrer">Select Home Warranty</a> with its wide number of customer benefits makes it one of the best home warranty companies especially for new homes that haven’t undergone any previous repairing.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg" data-partner-contact_number="(855) 552-3098" data-partner-real_tel="+18555523098" data-partner-total_votes="" data-partner-title="{bold:Select Home Warranty}" data-partner-editor_choice_text_desktop="" data-partner-mobile_title="4th July Sale: Up to 40% Off" data-partner-editor_choice_text_mobile="" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-mobile-.svg" data-partner-conversion_label="xcyCCJ-tyJADEMmR_MMC" data-partner-under button text="" data-partner-partner_id="4" data-partner-adoric_event="" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Select" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-show_more_text="" data-partner-show_less_text="" data-partner-phone_conversion_label="QU8VCKqZwOcZEMmR_MMC" data-partner-disclaimer="" data-partner-trustpilot_rating="" data-partner-trustpilot_reputation="" data-partner-advantage="" data-partner-desktop_details_limit="6" data-partner-mobile_details_limit="2" data-partner-slide_down_video="" data-partner-choose_phone_display_hours="phone display hours" data-partner-general-offer="https://quote.selecthomewarranty.com/affiliate/SmLeads?subid=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg" data-promote-text="Get $150 off + 2  month free" data-button-text="VISIT SITE" data-kidon-id="4" data-conversion-label="xcyCCJ-tyJADEMmR_MMC" data-button-name="select" data-button-type="" data-partner-post-id="cG9zdDoxNDIw" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d28177ca8 class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>Get $150 off + 2  month free</p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<h4>First American</h4>
<p><strong>What’s Good?</strong></p>
<p>&#8211; Offers extensive choices with options, explanations and also thorough coverage details to customers</p>
<p>&#8211; Offers your cooling and heating system warranty coverage.</p>
<p>&#8211; First American covers everything from corrosion, rusting or problems caused due to the lack of proper maintenance in your HVAC system.</p>
<p>&#8211; Offers quick service to customers that can be scheduled or be resolved within 4 hours of the claim during business hours.</p>
<p>&#8211; Easy to follow and understand. Allows you to view sample contracts as well as coverage limits.</p>
<p>&#8211; You are offered complete information about your coverage limits and responsibilities before you choose a warranty.</p>
<p>First American is believed to be the ideal choice for people who are looking for quick services for a wide list of service appliances and systems, especially for the people staying in mobile home, townhouse or condos.</p>
<h4>Liberty Home Guard</h4>
<p><strong>What’s Good?</strong></p>
<p>&#8211; LHG offers you with 3 well planned warranty plans with several additional add-ons.</p>
<p>&#8211; Liberty’s basic plan starts at $1 a day.</p>
<p>&#8211; Offers full HVAC coverage to their customers for repair or replacement.</p>
<p>&#8211; The company offers you only pre-screened, licensed, safe and expert service providers for servicing your claims.</p>
<p>&#8211; LHG offers you a guaranteed 30 day money back offer and also a refund of your contract fee with them.</p>
<p>&#8211; The company tracks your claims and provides you services instantaneously.</p>
<p>One of the most budget friendly home warranty companies in the country, Liberty Home Guard is precisely a good option for home owners looking for a home warranties for their new homes.</p>
<p>&nbsp;</p>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-9705" src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-2-for-post-Which-Is-The-Best-Home-Warranty-Service-For-Your-Heating-And-AC-Units.jpg" alt="Img-2-for-post-Which-Is-The-Best-Home-Warranty-Service-For-Your-Heating-And-AC-Units" width="605" height="415" srcset="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-2-for-post-Which-Is-The-Best-Home-Warranty-Service-For-Your-Heating-And-AC-Units.jpg 605w, https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-2-for-post-Which-Is-The-Best-Home-Warranty-Service-For-Your-Heating-And-AC-Units-768x526.jpg 768w" sizes="(max-width: 605px) 100vw, 605px" /></p>
<p>&nbsp;</p>
<h4>Important Tips To Help You Choose Better</h4>
<p>The heating and the air conditioning system in a house are the two most important and hard-working units of all. And to ensure that they keep functioning smoothly, you need to make sure that your home warranty covers the HVAC system completely, no matter whether you need them repaired or replaced. If not, the expense to repair or replace it will surely put a dent to your pocket. However, there are some facts about HVAC systems and home warranties. Read on to known about them.</p>
<p>&#8211; A home warranty covering your heating and air conditioning system need not be expensive.</p>
<p>&#8211; With the help of an annual fee, you can protect your home at a very inexpensive rate.</p>
<p>&#8211; With a home warranty, you never have to worry about repairs or replacing a unit, if needed.</p>
<p>&#8211; Make sure that your home warranty company covers the HVAC Systems.</p>
<p>&#8211; Search is the key! Make sure that you do your research well, before you finalist the best one. Read their, services, fees, coverage, expert reviews and customer feedback to make the right choice.</p>


Which-Is-The-Best-Home-Warranty-Service-For-Your-Heating-And-AC-Units-cover

Which Is The Best Home Warranty Service For Your Heating And A/C Units?

<p>Most likely, your house is one of the biggest investments you’ve ever made, therefore, it deserves the best protection. If a home system or appliance happens to break, a home warranty can cover these things and protect against expensive repair and replacement costs.<br />
In this guide, we go over the best home warranty companies to help consumers find out if a home warranty is worth it, as well as how to get a plan for the best price. If you want to compare home protection plans, browse <a href="https://tophomewarrantyservices.com/reviews/" target="_blank" rel="noopener noreferrer">home warranty reviews</a>, and choose the right coverage for you and your house, keep on reading.</p>
<p>&nbsp;</p>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-9642" src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-Best-Home-Warranty-2021.jpg" alt="Img-for-post-Best-Home-Warranty-2021" width="605" height="415" srcset="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-Best-Home-Warranty-2021.jpg 605w, https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-Best-Home-Warranty-2021-768x526.jpg 768w" sizes="(max-width: 605px) 100vw, 605px" /></p>
<h3></h3>
<h3>1. Best Overall: Choice Home Warranty</h3>
<p><a href="https://tophomewarrantyservices.com/choice-home-warranty-review/" target="_blank" rel="noopener noreferrer">Choice Home Warranty</a> has 2 plans available as well as optional add-ons:</p>
<ul>
<li>It offers after-hours customer service, and has a 90-day repair guarantee.</li>
<li>It only costs $29-$42 a month.</li>
</ul>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-partner-contact_number="(929) 400-6109" data-partner-real_tel="+19294006109" data-partner-total_votes="" data-partner-title="{bold: Choice Home Warranty}" data-partner-editor_choice_text_desktop="Best Offer Guarantee" data-partner-mobile_title="4th of July Sale -<br>$75 off + 1 Month Free" data-partner-editor_choice_text_mobile="Best Offer Guarantee" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-partner-conversion_label="twcpCILewJADEMmR_MMC" data-partner-under button text="" data-partner-adoric_event="" data-partner-partner_id="1" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Choice" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-show_more_text="" data-partner-show_less_text="" data-partner-phone_conversion_label="Y-rmCLv8iOYZEMmR_MMC" data-partner-disclaimer="" data-partner-trustpilot_rating="" data-partner-trustpilot_reputation="" data-partner-choose_phone_display_hours="phone display hours" data-partner-advantage="" data-partner-desktop_details_limit="6" data-partner-mobile_details_limit="2" data-partner-slide_down_video="" data-partner-general-offer="https://chwprice.com/nlp/a/a1/index.php?utm_source=t5fm&utm_campaign=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-promote-text="$75 off + 1 month free" data-button-text="VISIT SITE" data-kidon-id="1" data-conversion-label="twcpCILewJADEMmR_MMC" data-button-name="Choice" data-button-type="" data-partner-post-id="cG9zdDoxNDI2" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d29f3213e class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>$75 off + 1 month free</p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<h3>2. Best Appliance Coverage: American Home Shield</h3>
<p>It offers 4 plan options with optional add-ons:</p>
<ul>
<li>There is an option to build your own plan.</li>
<li>BBB accredited.</li>
<li>There are generous coverage caps.</li>
<li>It only costs $20-$65 a month.</li>
</ul>
<h3>3. Best Value: Select Home Warranty</h3>
<p>There are 4 plans available with optional add-ons in <a href="https://tophomewarrantyservices.com/select-home-warranty-review/" target="_blank" rel="noopener noreferrer">Select Home Warranty:</a></p>
<ul>
<li>There is free roof leak coverage.</li>
<li>There is an optional septic system coverage.</li>
<li>They have responsive customer service.</li>
<li>It only costs $36-$42 per month.</li>
</ul>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg" data-partner-contact_number="(855) 552-3098" data-partner-real_tel="+18555523098" data-partner-total_votes="" data-partner-title="{bold:Select Home Warranty}" data-partner-editor_choice_text_desktop="" data-partner-mobile_title="4th July Sale: Up to 40% Off" data-partner-editor_choice_text_mobile="" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-mobile-.svg" data-partner-conversion_label="xcyCCJ-tyJADEMmR_MMC" data-partner-under button text="" data-partner-partner_id="4" data-partner-adoric_event="" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Select" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-show_more_text="" data-partner-show_less_text="" data-partner-phone_conversion_label="QU8VCKqZwOcZEMmR_MMC" data-partner-disclaimer="" data-partner-trustpilot_rating="" data-partner-trustpilot_reputation="" data-partner-advantage="" data-partner-desktop_details_limit="6" data-partner-mobile_details_limit="2" data-partner-slide_down_video="" data-partner-choose_phone_display_hours="phone display hours" data-partner-general-offer="https://quote.selecthomewarranty.com/affiliate/SmLeads?subid=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg" data-promote-text="Get $150 off + 2  month free" data-button-text="VISIT SITE" data-kidon-id="4" data-conversion-label="xcyCCJ-tyJADEMmR_MMC" data-button-name="select" data-button-type="" data-partner-post-id="cG9zdDoxNDIw" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d29f37c87 class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>Get $150 off + 2  month free</p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<h3>4. Best Claim Acceptance: First American</h3>
<p>There are 4 plan options with optional add-ons:</p>
<ul>
<li>It covers improperly installed or maintained items.</li>
<li>There is no cap on coverage for HVAC.</li>
<li>It is recommended by and for real estate agents.</li>
<li>It costs only $28-$50 a month.</li>
</ul>
<h3>Buyers Guide:</h3>
<p><strong>Home Warranty Costs</strong></p>
<p>Home warranties cover home systems and appliances for the most part. The following has to be true in order for your claim to be approved:<br />
The item has to be explicitly written into your contract and covered under your particular plan.<br />
The item broke due to normal wear and tear.<br />
Routine maintenance has been done on the item before it broke.<br />
By the requirements listed above, your home warranty insurance most likely won’t cover a repair if your garbage disposal isn’t working due to it being jammed with foreign objects like bottle caps or paper clips.<br />
Home warranty coverage can vary by provider as well as plan. Just make sure you fully understand the coverage and exclusions outlined in your sample contract before signing.<br />
It could be helpful for you to keep copies of your home inspection or maintenance receipts on hand. While a home inspection isn’t a requirement to get a home warranty, it could support your claim if the age or status of your appliances and systems are being questioned.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/09/The-Home-Service-Club-logo.svg" data-partner-contact_number="(800) 886-6204" data-partner-real_tel="+18008866204" data-partner-total_votes="" data-partner-title="{bold:Home Service Club}" data-partner-editor_choice_text_desktop="" data-partner-mobile_title="Plans start at $1 a day" data-partner-editor_choice_text_mobile="" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/09/The-Home-Service-Club-logo.svg" data-partner-conversion_label="zbjfCOjgirADEMmR_MMC" data-partner-partner_id="27" data-partner-under button text="" data-partner-adoric_event="" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Home Service Club" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-general-offer="https://myhscwarranty.com/lp/hscg/index.php?utm_source=76568&utm_campaign=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/09/The-Home-Service-Club-logo.svg" data-promote-text="$75 Off + 1 Month free " data-button-text="VISIT SITE" data-kidon-id="27" data-conversion-label="zbjfCOjgirADEMmR_MMC" data-button-name="The home service club " data-button-type="" data-partner-post-id="cG9zdDoxNDI3" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d29f3d87a class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/09/The-Home-Service-Club-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>$75 Off + 1 Month free </p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<p><strong>Home Warranty Coverage Caps</strong></p>
<p>For the most part, home warranty providers set spending limits on each covered appliance and system.<br />
For instance, your plan might set a maximum spending limit of $1,500 on your heating system. Under this warranty, the provider would only cover the repair or replacement cost of an HVAC system up to $1,500. You would have to pay the rest of the bill.<br />
Fortunately, your home warranty still saves you money, sometimes even thousands of dollars, even if it isn’t the full cost of repair or replacement.</p>
<p><strong>Types Of Home Warranty Plans</strong></p>
<p>Most home warranty providers offer three levels of coverage. Some split their plans by the number of items they have covered, while others divider coverage by the type of item.<br />
It’s also important to shop around and choose the best plan that covers the most items that you yourself have in your home.</p>


<p>Did you know that repairing your ac unit or your kitchen appliance can cost you somewhere between $169 and $700, while replacing it can cost you several thousand dollars? But, with the help of a good home warranty company, you can save all these unexpected expenses.</p>
<p><a href="https://tower.tophomewarrantyservices.com/home-warranty-coverage-a-beginners-guide/" target="_blank" rel="noopener noreferrer">Home Warranties</a> are a blessing particularly if you have chosen a good home warranty company. They let you save more money each time your home appliances or systems break down or need a replacement by making you pay only a fraction of the total cost.</p>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-9456" src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/6-Reasons-Why-A-Home-Warranty-Plan-Is-A-Necessity-For-You-Today-cover-e1642432625860.jpg" alt="6-Reasons-Why-A-Home-Warranty-Plan-Is-A-Necessity-For-You-Today-cover" width="600" height="479" /></p>
<p>But if you are still confused whether or not to buy a home warranty plan for your home, here are 6 reasons to convince you to buy one right away.</p>
<h4>1. Helps you Save Money</h4>
<p>We all want to save money! And a home warranty plan always helps you save money from unexpected expenses that suddenly pop up when your home appliances or systems break down. A good home warranty company like Choice can help you get the best technicians to repair your items in return of just a small service fee.</p>
<h4>2. Offers You the Best Technicians for Servicing Your Items</h4>
<p>You do not have to wait for your technician to come up and repair your appliances. All you have to do is file a complaint to your home warranty company and they will send you one of their best technicians to service your appliance. So, you no longer have to wait for your technician to pick your call and come when he is free to simply fix your item.</p>
<h4>3. One Call Can Get You Connected to Multiple Technicians</h4>
<p>All home warranty companies are associated with thousands of technicians. For instance, <a href="https://tower.tophomewarrantyservices.com/select-review/" target="_blank" rel="noopener noreferrer">Select Home Warranty</a> has more than 40,000 technicians across the country who help in repairing your appliances and systems.</p>
<p>Each of these technicians are pre-screened and licensed. This wide network of technicians allows you to get the best contractors for your task in the shortest time. Moreover, you no longer have to wait for your technician to be free for the repairing of your items or system.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-partner-contact_number="(929) 400-6109" data-partner-real_tel="+19294006109" data-partner-total_votes="" data-partner-title="{bold: Choice Home Warranty}" data-partner-editor_choice_text_desktop="Best Offer Guarantee" data-partner-mobile_title="4th of July Sale -<br>$75 off + 1 Month Free" data-partner-editor_choice_text_mobile="Best Offer Guarantee" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-partner-conversion_label="twcpCILewJADEMmR_MMC" data-partner-under button text="" data-partner-adoric_event="" data-partner-partner_id="1" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Choice" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-show_more_text="" data-partner-show_less_text="" data-partner-phone_conversion_label="Y-rmCLv8iOYZEMmR_MMC" data-partner-disclaimer="" data-partner-trustpilot_rating="" data-partner-trustpilot_reputation="" data-partner-choose_phone_display_hours="phone display hours" data-partner-advantage="" data-partner-desktop_details_limit="6" data-partner-mobile_details_limit="2" data-partner-slide_down_video="" data-partner-general-offer="https://chwprice.com/nlp/a/a1/index.php?utm_source=t5fm&utm_campaign=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-promote-text="$75 off + 1 month free" data-button-text="VISIT SITE" data-kidon-id="1" data-conversion-label="twcpCILewJADEMmR_MMC" data-button-name="Choice" data-button-type="" data-partner-post-id="cG9zdDoxNDI2" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d29f0899b class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>$75 off + 1 month free</p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<h4>4. No Hidden Charges</h4>
<p>When you call your local technicians to repair your appliances, they charge you money for several things, such as the cost of the replaced items, the service fee, etc. making the total huge.</p>
<p>But when you file a claim with your home warranty company, they send you a technician to repair the appliances and you are charged only a small service fee for the repairing and no other hidden fees.</p>
<h4>5. Perfect for People Who Are Not Risk Takers</h4>
<p>Are you a risk taker or don’t plan your savings? Well, if you are one such person, you can definitely go along and not choose a home warranty for your new home.</p>
<p>But, if you are an individual who wishes to save money at each and every step, you should definitely choose a good home warranty plan from any of the top home warranty companies in USA.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg" data-partner-contact_number="(855) 552-3098" data-partner-real_tel="+18555523098" data-partner-total_votes="" data-partner-title="{bold:Select Home Warranty}" data-partner-editor_choice_text_desktop="" data-partner-mobile_title="4th July Sale: Up to 40% Off" data-partner-editor_choice_text_mobile="" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-mobile-.svg" data-partner-conversion_label="xcyCCJ-tyJADEMmR_MMC" data-partner-under button text="" data-partner-partner_id="4" data-partner-adoric_event="" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Select" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-show_more_text="" data-partner-show_less_text="" data-partner-phone_conversion_label="QU8VCKqZwOcZEMmR_MMC" data-partner-disclaimer="" data-partner-trustpilot_rating="" data-partner-trustpilot_reputation="" data-partner-advantage="" data-partner-desktop_details_limit="6" data-partner-mobile_details_limit="2" data-partner-slide_down_video="" data-partner-choose_phone_display_hours="phone display hours" data-partner-general-offer="https://quote.selecthomewarranty.com/affiliate/SmLeads?subid=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg" data-promote-text="Get $150 off + 2  month free" data-button-text="VISIT SITE" data-kidon-id="4" data-conversion-label="xcyCCJ-tyJADEMmR_MMC" data-button-name="select" data-button-type="" data-partner-post-id="cG9zdDoxNDIw" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d29f124f2 class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>Get $150 off + 2  month free</p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<h4>6. Machines are Machines – They can Breakdown Anytime</h4>
<p>Machines are man-made items and despite their warranty and guarantee periods, they will definitely suffer unexpected wear and tear or breakdowns. You cannot be 100% sure that your washing machine or plumbing unit will not breakdown in this month or the entire year.</p>
<p>So, if you agree to any one of these 6 reasons, you definitely should choose a home warranty plan for you. They will not only help you save unexpected expenses but also give you peace of mind for the entire period your home is protected by a home warranty company. Here are some of the top home warranty companies in USA that offer great home warranty plans for all your requirements.</p>


6-Reasons-Why-A-Home-Warranty-Plan-Is-A-Necessity-For-You-Today-cover

<h4>1. What is a home warranty?</h4>
<p><a href="https://tower.tophomewarrantyservices.com/what-is-a-home-warranty/" target="_blank" rel="noopener noreferrer">A home warranty</a> is a service contract for residential buildings that covers the cost of household appliances and systems. Items that suffer normal wear and tear will either be repaired or replaced. A home warranty plan ensures homeowners feel secure knowing that they will escape unexpected home repair costs. The fees are often quite limited.</p>
<p>&nbsp;</p>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-9705" src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-2-for-post-Which-Is-The-Best-Home-Warranty-Service-For-Your-Heating-And-AC-Units.jpg" alt="Img-2-for-post-Which-Is-The-Best-Home-Warranty-Service-For-Your-Heating-And-AC-Units" width="605" height="415" srcset="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-2-for-post-Which-Is-The-Best-Home-Warranty-Service-For-Your-Heating-And-AC-Units.jpg 605w, https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-2-for-post-Which-Is-The-Best-Home-Warranty-Service-For-Your-Heating-And-AC-Units-768x526.jpg 768w" sizes="(max-width: 605px) 100vw, 605px" /></p>
<h4></h4>
<h4>2. Are home warranties worth it?</h4>
<p>In the long run, home warranty plans are well worth it. Forego costly repairs by simply paying around $29 per month. If your budget is limited, a home warranty plan is especially beneficial. You’ll also have peace of mind knowing your major (and expensive) home appliances and systems are covered.</p>
<p>Lastly, your home warranty provider will supply you with a network of professionals. Say goodbye to the days of scouring the internet for plumber reviews.</p>
<h4>3. Should I get a home warranty plan?</h4>
<p>If you like the sound of avoiding expensive home repairs and replacement costs, you’ll want to invest in a home warranty plan. We recommend a home warranty plan for everyone- including realtors, sellers, rental property owners and first-time home buyers. There are only two scenarios in which you can forego a plan: if you’re purchasing a new home that is protected under a builder’s warranty, or if you own a home larger than 5,000 square feet.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-partner-contact_number="(929) 400-6109" data-partner-real_tel="+19294006109" data-partner-total_votes="" data-partner-title="{bold: Choice Home Warranty}" data-partner-editor_choice_text_desktop="Best Offer Guarantee" data-partner-mobile_title="4th of July Sale -<br>$75 off + 1 Month Free" data-partner-editor_choice_text_mobile="Best Offer Guarantee" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-partner-conversion_label="twcpCILewJADEMmR_MMC" data-partner-under button text="" data-partner-adoric_event="" data-partner-partner_id="1" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Choice" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-show_more_text="" data-partner-show_less_text="" data-partner-phone_conversion_label="Y-rmCLv8iOYZEMmR_MMC" data-partner-disclaimer="" data-partner-trustpilot_rating="" data-partner-trustpilot_reputation="" data-partner-choose_phone_display_hours="phone display hours" data-partner-advantage="" data-partner-desktop_details_limit="6" data-partner-mobile_details_limit="2" data-partner-slide_down_video="" data-partner-general-offer="https://chwprice.com/nlp/a/a1/index.php?utm_source=t5fm&utm_campaign=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-promote-text="$75 off + 1 month free" data-button-text="VISIT SITE" data-kidon-id="1" data-conversion-label="twcpCILewJADEMmR_MMC" data-button-name="Choice" data-button-type="" data-partner-post-id="cG9zdDoxNDI2" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d281aa3f4 class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>$75 off + 1 month free</p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<h4>4. How much is a one-year home warranty?</h4>
<p>Like anything else, home warranty plans range in price, but most cost between $25 and $67 per month. A plan under $50 a month is regarded as an affordable home warranty. The cheapest home warranty plans tend to be the build-your-own and custom coverage plans. Recently, customers have been complaining about the annual home warranty rate increase. Unfortunately, it is seemingly unavoidable as the demand for home warranties increases. To side-step this price jump, we recommend asking to lock in your price upon signing. Some providers may only guarantee your rate if you pay for 3-5 years upfront. Although, for most people, this is a lot of money at once, you can cancel at any point and receive a full refund. Be sure to ask about cancellation policies and fees- some range from $50-$75.</p>
<h4>5. Who pays for a home warranty?</h4>
<p>Anyone can <a href="https://tower.tophomewarrantyservices.com/who-pays-for-a-home-warranty-plan-and-how-does-one-work/" target="_blank" rel="noopener noreferrer">buy a home warranty</a> plan and benefit from home protection. Home buyers and sellers, realtors and rental property owners are the most common customers, however. If a home buyer pays for a home warranty plan after closing on the house, they are responsible for the cost. On the other hand, we’re seeing a rise in the number of sellers paying for 1-year plans. Realtors offer buyers a home warranty plan as a way to say “thank you”, and real estate agents usually buy plans to cover potential repairs while the home is on the market.</p>


<p>Without home appliances, there is absolutely no way that we can imagine our lives today. Right from a dishwasher, microwave, refrigerator, oven, air conditioner or any other home appliance, we need them all to live a relaxing and peaceful life. Over the years, each of these appliances require repairing or in the most extreme conditions, a replacement which can be a very expensive matter. This is where home appliance insurance companies come to your rescue, helping you with the sudden expenses. There are mainly two types of home appliance insurance companies namely, a home appliance warranty and the extended manufacturer’s warranty. But which of these two options is best for you? And which is the best home appliance company to choose?</p>
<p>Confusing right? Well, in order to help you, we did a little research by comparing both, the home appliance warranty and extended home appliance warranty. The findings of the research will surely help you make the best choice for you.</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-9626" src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-A-Quick-And-Easy-Guideline-To-The-Best-Home-Appliance-Insurance.png" alt="Img-for-post-A-Quick-And-Easy-Guideline-To-The-Best-Home-Appliance-Insurance" width="605" height="415" srcset="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-A-Quick-And-Easy-Guideline-To-The-Best-Home-Appliance-Insurance.png 605w, https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/Img-for-post-A-Quick-And-Easy-Guideline-To-The-Best-Home-Appliance-Insurance-768x526.png 768w" sizes="(max-width: 605px) 100vw, 605px" /></p>
<p>&nbsp;</p>
<h2>Comparison:  Home Appliance Warranty Vs Extended Home Appliance Warranty Insurance</h2>
<p><strong>Understanding Home Appliance Warranty Insurance</strong></p>
<p>Home appliance warranty insurance covers both, repair and replacement of all included home appliance systems. This includes, electric, heating, plumbing, air conditioning, and also every other type of home appliances that are used in our day-to-day life. Overall, there are 50 or more <a href="https://tower.tophomewarrantyservices.com/which-is-the-best-home-warranty-service-for-your-heating-and-a-c-units/" target="_blank" rel="noopener noreferrer">home appliance warranty insurance</a> providing companies that protect us specifically against such home appliance warranties with their different insurance plans.</p>
<p>Most of these companies that offer homeowners appliance insurance include coverage for appliances such as built-in microwave, refrigerator, washing machine and dryer, dish washer, all varieties of ovens and lastly, garbage disposal. A good and top quality home appliance warranty will also cover you for garage door opener, ceiling fans and your kitchen exhaust.</p>
<h3>Understanding Extended Home Appliance Warranty Insurance</h3>
<p>The extended home appliance warranty insurance is also called as a maintenance agreement in simple words. It is an easier option for prolonging the warranty provided by the manufacturer that usually comes along with almost every new item, when purchased. An extended warranty like all other items can also be used by simple household appliances.</p>
<p>Both, home appliance warranty and extended home appliance warranty, however have the same payment method. They both require you to pay a small amount of money for a given period of time in exchange of a promise by the manufacturer to repair or if needed, replace the item that is mentioned in the coverage period.</p>
<p>Now that the definition is clear, which one of these is the best home appliance insurance to choose? And what are the difference and similarities between these two warranty plans that make them better than the other? Read below to find your answer.</p>
<h3>Checking Availability of Home appliance Warranty Vs Extended Warranty</h3>
<p>Before we compare the other features of both these warranty insurance plans, let’s first check the obtainability of the extended warranty insurance (EW) and home appliance warranty (HAW) in the market for its customers. In order to come to a fair review, we collected data from a varied number of home appliance warranty providing companies that offer both or either of these two warranty insurance services.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-partner-contact_number="(929) 400-6109" data-partner-real_tel="+19294006109" data-partner-total_votes="" data-partner-title="{bold: Choice Home Warranty}" data-partner-editor_choice_text_desktop="Best Offer Guarantee" data-partner-mobile_title="4th of July Sale -<br>$75 off + 1 Month Free" data-partner-editor_choice_text_mobile="Best Offer Guarantee" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-partner-conversion_label="twcpCILewJADEMmR_MMC" data-partner-under button text="" data-partner-adoric_event="" data-partner-partner_id="1" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Choice" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-show_more_text="" data-partner-show_less_text="" data-partner-phone_conversion_label="Y-rmCLv8iOYZEMmR_MMC" data-partner-disclaimer="" data-partner-trustpilot_rating="" data-partner-trustpilot_reputation="" data-partner-choose_phone_display_hours="phone display hours" data-partner-advantage="" data-partner-desktop_details_limit="6" data-partner-mobile_details_limit="2" data-partner-slide_down_video="" data-partner-general-offer="https://chwprice.com/nlp/a/a1/index.php?utm_source=t5fm&utm_campaign=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg" data-promote-text="$75 off + 1 month free" data-button-text="VISIT SITE" data-kidon-id="1" data-conversion-label="twcpCILewJADEMmR_MMC" data-button-name="Choice" data-button-type="" data-partner-post-id="cG9zdDoxNDI2" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d29f1f351 class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/07/choice-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>$75 off + 1 month free</p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<h2>Findings</h2>
<p>&#8211; For a HAW, we discovered a huge selection of insurance companies that offer you insurance plans for your home appliances. Based on the state of your house, you can easily find anything from 20 to 50 home appliance companies that give you HAW.</p>
<p>&#8211; On the contrary, the numbers of companies that offer extended warranty on home appliances are very few. You can find an extended warranty only via the manufacturer of the particular home appliance or from the seller, who sold you that given appliance.</p>
<p>&#8211; In order to check the report findings, we chose 16 home appliance warranty businesses and 3 extended home appliance warranty companies namely, AIG WarrantyGuard, Assurant Solutions and SquareTrade. These companies are considered as the best appliance insurance companies currently ruling the market.</p>
<p>AIG WarrantyGuard: A company that closely deals with the world famous brand, Whirlpool, AIG WarrantyGuard is a first-hand appliance warranty company. The warranty is offered for appliances such as refrigerators, microwaves, dishwashers, ice makers, trash compactors, washing machine and dryers, different range of ovens and more. You can simply buy household appliance insurance for most of these items, especially when your original manufacturer’s appliance warranty for the appliance expires.</p>
<p>Assurant Solutions: An extended home appliance warranty like the others, the Assurant Solutions Company offers warranty plans for all your major kitchen appliances and the laundry appliances, and also including your television in it.</p>
<p>SquareTrade: SquareTrade is a renowned HAW insurance company that is exclusively available in Amazon.com. The company offers you a basic 3 or 5 year insurance plan for complete appliance protection, including both, electrical and technical failure conditions, as well as the unexpected leaks from the appliances.</p>
<p>However, all the 16 HAW companies that were selected by us provided us coverage for our home appliances in comparison to the extended home appliance warranty insurance plans.</p>
<p>&nbsp;</p>
<p><img loading="lazy" decoding="async" class="aligncenter size-full wp-image-9456" src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2021/10/6-Reasons-Why-A-Home-Warranty-Plan-Is-A-Necessity-For-You-Today-cover-e1642432625860.jpg" alt="6-Reasons-Why-A-Home-Warranty-Plan-Is-A-Necessity-For-You-Today-cover" width="600" height="479" /></p>
<h2></h2>
<h2>When Both Types Of Insurance Companies Cover Similar Appliances</h2>
<p>For the better understanding of obtainability and coverage of an extended appliance warranty against home appliance warranty, we researched 8 regularly used household appliances. We also made sure that these appliances were protected by both, HAW and EW. The home appliances we chose included a washer and dryer, window air conditioner, dishwasher, refrigerator, stove, water heater and a built-in-microwave.</p>
<p>During our research, we noticed that the refrigerator, stove and washer were covered by both, HAW and EW companies. The dryer and dishwasher were two items that were covered by almost all extended warranty insurance companies and by 94% of the home appliance insurance companies. In comparison, a window A/C unit and the regular water heating unit that is present in our homes were covered by just 75% of all the home appliance warranties against a mere 33% of the extended appliance warranties.</p>
<p>In most of the cases, all the home appliance warranty companies that we chose offered coverage on the above mentioned appliances. However, the extended appliance warranty companies offered insurance only on brand new home appliances. Only two out of the entire list of appliance warranty companies provided warranty extension options, but only when the initial coverage duration was over.</p>
<h2>Comparison Between Home Appliance Warranty Plans And Extended Appliance Warranty Plans</h2>
<p>When choosing a home appliance contract, you can choose from a list of home appliance coverage plans that vary in almost all companies, based on their different level of coverage.</p>
<p>Based on our data, every company has an average of three plans which we studied. These can be any designated plan for appliances, such as the Bronze Care Plan that was offered by the Select Home Warranty or the combo plan that offered some home system plans in addition to the complete home appliance protection offers. The Premier Plan was one of the best home warranty plans that were offered by <a href="https://tower.tophomewarrantyservices.com/first-america-review/" target="_blank" rel="noopener noreferrer">First American Home Warranty</a>.</p>
<p>If under any circumstances, the appliance that you wish to warranty is not available or included in any of their offered plans, you can simply add that home appliance item to your regular coverage from their provided add-on menu. It is that simple. For an extended warranty, in most common conditions there is one plan that usually covers a given item, allowing you to choose any one home appliance that you wish to warranty. Out of the 16 home warranty companies that we chose, only Home Warranty Inc. provides a customized plan to its customers. 7 other companies offered a limited add-on option for any of your chosen appliances. All other remaining companies offered only the purchasing of an old pre-packaged home appliance protection plan to their customers.</p>
<h2>Comparing Duration Of Coverage For Both Home Appliance Insurance Types</h2>
<p>Now that both the plans and the coverage are clear, the next question that we wanted to check was if both the insurance types provided same coverage duration or not.</p>
<p>From our data and research, we found that typically, a home protection plan is provided only for 12 months. A few companies offer an additional 1 or 2 months coverage to premium customers or first time customers, taking the coverage period to 13 or 14 months. Also, in most of the cases, an appliance warranty gets automatically extended for another period of 12 months, if not cancelled.</p>
<p>On the contrary, an appliance extended warranty offers coverage for 12, 24, 36 or 60 months, based on different companies and their plans. Customers, usually have a very limited option when it comes to extension. And, if the extension plan is available, the company contacts you via mail or message around 30 days before your current contract expires, asking your permission for the next extension.</p>
<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg" data-partner-contact_number="(855) 552-3098" data-partner-real_tel="+18555523098" data-partner-total_votes="" data-partner-title="{bold:Select Home Warranty}" data-partner-editor_choice_text_desktop="" data-partner-mobile_title="4th July Sale: Up to 40% Off" data-partner-editor_choice_text_mobile="" data-partner-slide_down_title="" data-partner-slide_down_read_review="" data-partner-link="" data-partner-offer_link="" data-partner-mobile_icon="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-mobile-.svg" data-partner-conversion_label="xcyCCJ-tyJADEMmR_MMC" data-partner-under button text="" data-partner-partner_id="4" data-partner-adoric_event="" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Select" data-partner-facebook_ad_event_name="" data-partner-under_button_text_font_size="0.7" data-partner-show_more_text="" data-partner-show_less_text="" data-partner-phone_conversion_label="QU8VCKqZwOcZEMmR_MMC" data-partner-disclaimer="" data-partner-trustpilot_rating="" data-partner-trustpilot_reputation="" data-partner-advantage="" data-partner-desktop_details_limit="6" data-partner-mobile_details_limit="2" data-partner-slide_down_video="" data-partner-choose_phone_display_hours="phone display hours" data-partner-general-offer="https://quote.selecthomewarranty.com/affiliate/SmLeads?subid=" data-backup-partners='[]'  data-style-params="" data-logo-src="https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg" data-promote-text="Get $150 off + 2  month free" data-button-text="VISIT SITE" data-kidon-id="4" data-conversion-label="xcyCCJ-tyJADEMmR_MMC" data-button-name="select" data-button-type="" data-partner-post-id="cG9zdDoxNDIw" data-should-filter="1"><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper"><div class="border-wrapper"> <div id=6870d29f22402 class="buttono-content" ><div class='buttono-logo__container'><a href='/' target='_blank'><img src='https://tower.tophomewarrantyservices.com/wp-content/uploads/2022/02/Select-home-warranty-logo-.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='/' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text'>Get $150 off + 2  month free</p></a></div><div class='buttono-link-container'><a href='/' target='_blank' class='buttono-link'>VISIT SITE</a></div></div></div><a href='/' target='_blank'><img class='buttono-image' src='/'></div></a></div></div>
<h2>Costing – Extended Appliance Warranty Vs Home Appliance Warranty</h2>
<h3>What is Warranty Premium?</h3>
<p>A warranty premium is a basic warranty cost or amount that you pay for the chosen warranty term. To understand the difference in the costing, we decided to compare the cost of extended warranty and home appliance warranty. We calculated the annual premiums for the basic 8 home appliances mentioned above.</p>
<p>From the 16 companies we researched, not all companies offered the same coverage period. Also, they offered coverage to different appliances. In order to compare the companies rightfully, we calculated the following:</p>
<p>&#8211;  For companies offering different coverage periods for the appliances, we divided the mentioned premium by the term and multiply the amount by 12 months. So, if a company has a premium of $700 for 14 months, the effective annual premium calculated for the company will be $600.</p>
<p>&#8211; Companies that covered less than 8 home appliances, their effective premium was divided by the total number of covered items and then multiplied by 8. So, if a company that covers 6 appliances and has a premium of $600, the effective annual premium calculated for that company will be $800.</p>
<p><strong>Conclusion: </strong></p>
<p><strong>Final Words On The Comparison Between Home Appliance Warranties And Extended Warranties</strong></p>
<p>Finding the best home appliance insurance is very important to ensure the smooth running of your home and lives. And in order to search the best insurance companies and plans, we studied and researched the terms and conditions of our 16 chosen home warranty companies and 3 extended warranty companies which provided us coverage for the 8 most basic home appliances.</p>
<p>Which of these companies offers you the best warranty, mostly depends on your needs and the services you are looking for. For instance, if you are looking forward to insuring just 1 or 2 appliances in your home, then an extended appliance warranty proves to be the best choice for you.</p>
<p>For customers who wish to cover all their home appliances in the house, a home warranty company that offers complete protection seems perfect for you.</p>
<p>All that you really need to remember here is that an extended warranty is available exclusively to only those customers who have purchased brand new appliances. On the contrary, a home appliance protection plan will offer coverage, even if you have purchased an appliance some time earlier.</p>


A-Quick-And-Easy-Guideline-To-The-Best-Home-Appliance-Insurance-cover

ITEM	Basic Plan	Premier Plan
Kitchen Refrigerator
Clothes Washer
Clothes Dryer
Dishwasher
Oven/Range/Cooktop
Built-in Microwave
Garbage Disposal
Trash Compactor
Instant Hot Water Dispenser
Ceiling Fans
Attic & Exhaust Fans
Plumbing
Plumbing Stoppages
Heating System
Electrical System
Ductwork
Water Heater
Toilet Tanks & Bowls
Sump Pump
Whirlpool Bath Motor & Pump
Garage Door Openers
Central Vacuum System
Deductible Fee	$75	$75
Plans Price	$25 mo.t	$39.5 mo.t

First American Home
Warranty Review