1. Research Your Options

There are many different home warranty companies out there, so it’s important to do your research before choosing one. Read reviews of different companies and compare their coverage options to find the best fit for you. When you want to buy home warranty insurance, additionally consider the company’s customer service record and financial stability. For example, research how long the company has been in business and whether they have any unresolved complaints with the Better Business Bureau.

• Good Reputation: Make sure you’re using a home warranty company with a good reputation. This will give you peace of mind knowing that they will be there to help you if something goes wrong. 
• Use a Licensed Contractor: When you have a home warranty, you’ll want to make sure you use a licensed contractor for any repairs that need to be made. This will ensure that the repairs are done properly and that your home is protected. Be sure to ask any potential contractors if they are licensed and insured before you allow them to work on your home.

2. Know What’s Covered

Each home warranty company has different coverage options, so it’s important to know what’s included in your plan. Some home warranties only cover major systems and appliances, while others may also cover things like pool and spa equipment, septic systems, and more. Make sure you understand what’s covered in your plan so you can be prepared for anything that might come up. The major systems and appliances include HVAC systems, water heaters, garbage disposals, refrigerators, cooktops, and ovens/ranges.

3. Get Quotes from Multiple Companies

When you’re ready to purchase a home warranty, get quotes from multiple companies. This will allow you to compare coverage options and prices to find the best deal. Be sure to read the fine print of each quote so you understand what’s included and excluded from each policy. Once you’ve found the right home warranty for you, be sure to keep your policy in a safe place and make copies for yourself and your real estate agent. For example, if you have an HVAC system that breaks down, you’ll want to be sure you have the contact information for your home warranty company so you can get it repaired quickly.

4. Understand How Your Plan Works

Be sure to understand how your home warranty plan works before you need to use it. Each company has different procedures for filing a claim, so you’ll want to be familiar with the process. In most cases, you’ll need to contact your home warranty company to file a claim and then they will send a contractor to assess the damage. Once the contractor has determined what needs to be repaired, they will submit a report to the home warranty company and the repairs will be made.

5. Keep Up with Maintenance

One of the best ways to avoid problems with your home is to keep up with regular maintenance. This means things like changing the filters in your HVAC system, checking the smoke detectors, and more. By doing these simple things, you can help prevent major issues from occurring in your home. Additionally, be sure to keep all of your receipts and manuals in a safe place so you can find them easily if you need to use your home warranty.

6. Know What’s Not Covered

While home warranties can be a great way to protect your home, it’s important to know what they don’t cover. Most home warranties exclude things like pre-existing conditions, cosmetic damage, and normal wear and tear. Additionally, many home warranties have a deductible that you will need to pay before the coverage kicks in. Be sure to read your policy carefully so you understand what’s covered and what’s not. This will also help you avoid any surprise expenses down the road.

A home warranty can be a great way to protect your home and appliances, but it’s important to do your research before you purchase one. Be sure to understand what’s covered and what’s not, and get quotes from multiple companies before you make a decision. Additionally, keep up with regular maintenance on your home and be familiar with the claims process so you can be prepared if something goes wrong.

Choice Home Warranty

Choice Home Warranty is a company that offers comprehensive protection against the high cost of repair or replacement of properly maintained major systems and appliances. Here are some details about Choice Home Warranty:

1. Coverage Options:
   • Basic Plan: Covers a variety of appliances and home systems.
   • Total Plan: Provides more extensive coverage for major appliances and systems.
2. Service Providers:
   • Customers can choose their own contractors.
   • Choice Home Warranty also maintains a network of more than 25,000 affiliated contractors and makes contact within four hours of a service request.
3. Claim Acceptance:
   • Choice accepts claims 24/7/365.
4. Guarantees:
   • 60-day guarantee for workmanship.
   • 90-day guarantee for parts.
5. Pricing:
   • Monthly Plan Cost: $55.00
   • Annual Plan Cost: $660.00/year
   • Service Fees Range: $100
6. Pros:
   • Straightforward plan structures.
   • Flat rate service fee.
   • Quick response time for service requests.
7. Cons:
   • Can’t choose your service provider.
   • Limited list of optional add-on coverages.
   • Not available in Washington.

Choice Home Warranty aims to protect homeowners from unexpected repair costs and offers near nationwide availability (except Washington). While its max coverage plan is competitively priced, the add-on features are somewhat limited. If you’re considering a home warranty, it’s worth exploring Choice Home Warranty’s options to see if they align with your needs.

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