What Is and Isn’t Covered By a Home Warranty

What Is and Isn’t Covered By a Home Warranty

There are several major home systems and home appliances that homeowners rely on to live comfortably. The strain on your home systems and appliances from normal wear and tear can accelerate breakdowns that require costly repairs or replacements. The best way for homeowners to gain peace of mind at the thought of expensive home repairs is to purchase a home buyers’ warranty.

It’s common to have a homeowners insurance policy to cover your home from natural disasters, fire, or water that damages your home’s structure. Most lenders require home buyers to purchase homeowners insurance. A home warranty policy is an additional coverage specifically designed for your major appliances and major systems. You pay a monthly premium that will offset expensive home repairs, maintenance, or replacement of appliances and systems.

What is covered?

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Home warranty coverage is designed to cover the major home systems and appliances that you rely on throughout the home. Levels of coverage vary between home warranty providers, and it’s typical for warranty plans to be broken down by systems and appliances. Some of the systems and appliances typically covered under a home warranty include the refrigerator, dishwasher, air conditioning, heating system, electrical system, plumbing system, clothes washer and dryer, and oven, stove, and range, water heater, and garbage disposal.

Discovering that you have a plumbing emergency by walking into a flooded bathroom isn’t fun. Facing the unexpected cost of repair for plumbing services isn’t easy, which is why you need to call a reliable plumber that provides excellent service for practical prices. RPG Plumbing has years of experience providing a range of commercial plumbing services for business owners in Brisbane.

Their residential, commercial, and industrial plumbing services include the repair and replacement of plumbing system components, sump pumps, septic systems, and drain cleaning. The reputable commercial plumbers in Brisbane are quick to respond to service calls, are transparent about the cost of repair, and pride themselves on delivering expert workmanship.

What isn’t covered?

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There are several exclusions under a home warranty coverage policy and certain issues that can disqualify the systems and appliances in your new home. Any home system or home appliance that has a pre-existing condition at the time the warranty begins, that has been damaged due to improper installation or maintenance, the non-residential use of home appliances and systems, and cosmetic issues will all be disqualified for coverage. Warranty providers aren’t always upfront about exclusions or hidden costs such as service call fees. Always read the fine print before committing to a contract.

A home warranty policy generally excludes structural issues, foundations, solar systems and components, commercial-grade equipment or systems, any issues found during the home inspection, pre-existing problems and normal wear and tear, problems resulting from rust, corrosion, and sediment, non-essential components, and services to correct building and zone code violations.

Being faced with expensive home repairs is a big responsibility as a homeowner. With so many different home warranty plans available to choose from, finding the best provider for your needs can be tricky. When it comes to the best home warranty companies in GA, AFC Home Club has years of experience delivering outstanding customer service.

Georgia homeowners can choose their own technician or work with an in-network technician and only have to pay the service fee associated with their plan of choice. The warranty provider offers homebuyers several coverage options, including a standard plan, systems plan, total plan, and comprehensive plan. AFC offers the longest workmanship guarantee, excellent service, and immense savings on expensive home repairs for 24 of your home’s major systems and appliances.

Be aware of coverage limits.

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Whether you have comprehensive coverage or a basic plan, all home warranty plans come with annual coverage limits. Warranty limits vary between home warranty companies, with some contracts setting a per appliance or system cap, or separate caps for each item. In addition to coverage limits, you also need to be aware of aggregate limits. Policy providers will limit the total amount they pay for covered losses during a given time period, which is typically a year.

Whether moving into a new home or an older home, it’s a good idea to have peace of mind provided by a home warranty.