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Welcome to our guide on home warranties. A home warranty is a contract between you and an insurance company that covers the repair or replacement of certain systems and appliances in your home, such as the water heater, HVAC system, and appliances.

Types of Home Warranties

• Basic Home Warranty: Covers repairs and replacements for major systems and appliances, including the water heater, HVAC system, and refrigerator. It typically lasts 1-3 years or 50,000-100,000 miles.

Benefits of Home Warranties

A home warranty can provide peace of mind and financial protection for homeowners. It can also help you save money on repair costs by not being responsible for deductibles and copays. Additionally, a home warranty can increase the resale value of your property.

• Convenience: No need to worry about unexpected repairs or replacements when they occur
• Financial protection: Deductibles and copays are typically waived with a home warranty
• Saved money: Lower repair costs compared to DIY efforts or paying for service calls out-of-pocket

How Home Warranties Work

A home warranty is usually purchased through an insurance company and typically lasts a certain number of years. When you need service, contact the manufacturer or authorized dealer to schedule a repair. The cost of repairs varies depending on the type of system or appliance and the location of the call.

• Initial Inspection: A home warranty company will inspect your home to determine which systems and appliances are covered
• Service Calls: Authorized dealers will make service calls to repair or replace covered items
• Claims Process: If a claim is submitted, the claims process typically involves contacting the manufacturer or authorized dealer, submitting documentation, and scheduling an inspection or repair

Conclusion

In conclusion, home warranties can provide valuable protection and peace of mind for homeowners. By understanding what a home warranty is, its benefits, and how it works, you can make informed decisions about purchasing a home warranty that meets your needs and budget.

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