Do I Need a Home Warranty?

March 12, 2024

The Best Home Warranty Providers in the DC Metro Area

Curious about home warranties? A home warranty is simply a one-year insurance policy for systems and appliances in your home.

Image by <a href="">Firmbee</a> from <a href="">Pixabay</a>

How does a home warranty work?

When something fails in your home, instead of researching for the best specialist to come and make the repairs, you call the home warranty company. They arrange the repair using a licensed contractor and you pay a small co-pay. Think of it like an HMO for your home.

Home warranties are not always the fastest service, but they certainly reduce the amount of money you pay out when something unexpected happens. You can also be sure that all contractors sent to your home are licensed for the repair they are sent to make.

Do I need one?

Like all insurance, if nothing goes wrong, it seems like a waste of money but when you have a few things go wrong at once and you only have to pay a small co-pay for each repair, it seems like money well spent.

When should I get a home warranty?

When buying a home, you may purchase one, or ask the seller to purchase one for you. It would begin one the day of settlement and continue for one year.

Homeowners may also purchase one at any time and they last for one year, but many require a brief delay (30 days) before becoming active. This is in order to avoid people buying one once there is a larger issue that requires coverage.

If you are getting ready to list your home for sale, you may get free coverage while the home is on the market if you offer to purchase a warranty for the buyer of your home.

Which home warranty is best for me?

Each home warranty has its benefits and some may suit your home better than others. Here are links to three of the best home warranties available:

Super Home Warranty

2-10 Home Warranty

Cinch – Formerly HMS Home Warranty

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