Let's Breakdown Home Warranty Plans
From my experience in searching for a home warranty, it can be pretty confusing to navigate the market. Each one has its own nuances, contract terms and conditions.
Some providers advertise fancy plans covering this and that, but they aren’t always as forthcoming about crazy-high deductibles. (I’ll pass.) With others, it can be hard to really figure out what types of appliances and home systems are covered due to a weird lack of transparency.
As if that’s not enough, there are quite a few different types of plans, as well. Some are better than others, but it really depends on your specific needs.
In general, here’s what you should look for in a home warranty:
The “right” home warranty provider ...
Offers coverage in your area
First things first. Home warranty coverage will be of no use to you if it’s not available in your region. Just enter your ZIP code in our quote request form to see rates in your area.
Makes signing up (and canceling) easy
If you’re looking for the most streamlined experience, find a provider that allows you to sign up online. If you choose TotalHome Warranty by HomeServe, you won’t need to pick up the phone — it’s all right there online.
Reviewers from Top10 loved the amount of transparency in HomeServe’s enrollment process: “Each policy has the price, eligibility and non-eligibility requirements, and exclusions clearly stated. In addition, customers can click on the ‘Terms and Conditions’ tab next to each policy to find more information about the policy and its limits. The cancellation policy is clearly stated [as well].”
As for cancellation, you’ll get a full refund within 30 days, or a prorated refund on the fees, minus the cost of services after that 30-day window. This, and our brief 30-day waiting period, are considered above the industry average by ReviewHomeWarranties.
Provides flexible plans and guaranteed coverage
You don’t want to pay for something you don’t need. Instead, choose a provider with an a la carte menu of optional coverages — or combo plans that make bundling a piece of cake.
Here’s what Simple Thrifty Living has to say about flexible plans and pricing: “Where many home warranty companies offer packages that cover tons of issues, HomeServe lets you buy coverage on specific systems. That means you don’t pay for coverage on appliances that are already under warranty or systems that have an existing service guarantee.”
We’re all for saving money. And, with many plans including our one-year guarantee and unlimited service calls, your money will be well spent.
Charges low monthly rates and zero deductibles
As for pricing, most homeowners prefer monthly rates. This way, you can spread the expense across the whole year, rather than paying it in a lump sum.
At TotalHome Warranty by HomeServe, we offer competitive pricing based on your location and specific coverage needs. Plus, there are no hidden costs under our watch!
Covers a wide range of repairs
Most homeowners want wear-and-tear coverage for inside and outside that takes care of replacements and repairs — not just one or the other. But you should find out what appliances and systems are covered before settling on a plan.
“HomeServe’s home warranty program specifically targets some of the most expensive potential problems for homeowners,” Top10 explains. These include damage to plumbing, electrical, heating and cooling systems, as well as kitchen and laundry appliances.
Connects you with local technicians
The best companies send trustworthy service providers to save the day. Through TotalHome Warranty by HomeServe, you’ll be matched up with experienced, insured and local professionals so you don’t have to fret.
Since they’re based in your area, you’ll get assistance quickly. And, as Top10 notes, “their local knowledge means they are aware of things like the age of home systems and weather issues that could impact performance.”
Operates a 24/7 customer service hotline
Look for around-the-clock customer service so you can get your claims processed as quickly as possible. At TotalHome Warranty by HomeServe, our hotline is open 24/7 — even on holidays, so you won’t have to leave a politely panicked voicemail message.
Find the right plan with HomeServe
Since 2003, we’ve issued more than 3.5 million plans as the go-to provider for municipalities, water providers and homeowners alike. Our services have earned us a 5-star rating from Simple Thrifty Living, a 4.5-star rating from ReviewHomeWarranties and an A+ rating from the Better Business Bureau. (We’re BBB-accredited, too!)
As Simple Thrifty Living says, “while HomeServe can’t prevent breakdowns, it can certainly provide comfort when they happen.”
If you’re looking for peace of mind and a flexible, affordable home warranty plan, click below.