When you compare the number of Americans who have home insurance versus those with home warranty protection the difference is astonishing with almost 90% having insurance and less than 60% having home warranty. I have my home warranty with First American, and when I look at the First American Home Warranty reviews they are full of people who are incredibly thankful that they made the decision to buy a policy. My decision was made because I live in California and I worry about natural disasters, but even if you don’t live somewhere like this, you must understand the importance of having home warranty, and here is why it makes sense.
Truth About Insurance
So many people believe that they are fully covered because they have home insurance but this simply isn’t the case. Your home insurance policy will cover the contents and the structural integrity of the property, but these plans won’t cover you against anything that may happen to the systems in the home. By systems we are talking gas, water, electric, as well as heating or cooling systems which you may have in the property. If one of those breaks down and you don’t have a home warranty policy, you’ll be footing the bill for that yourself.
No Unexpected Costs
I was talking to a customer service rep from First American last week and making some changes to my plan to cover a new HVAC system, and I remarked how things will always go wrong at the worst times. She told me that over the last month, in the run up to Christmas, they received more calls than normal about a heating break down, right in the heart of winter. I got to thinking about this, imagine if you didn’t have home warranty cover and that happened, just before the holidays, a massive cost of fixing the heating. When you have the plan you ca be safe in the knowledge that the most you’ll be paying if something goes wrong, is the cost of the deductible which you have chosen.
The Best Repairs
Home warranty companies work with expert tradespeople which is why you can be sure that when something breaks, the very best will be on their way to fix it. Not only this but you won’t be the one calling around trying to get the best prices and trying to get people to come out at all hours of the morning, you just make one call to your home warranty provider and it’ll all be sorted out.
This is really a smart idea for anyone who owns or rents a home, and home warranty just gives you that peace of mind that you need. Buyers of home warranty cover should weigh up their options, research online to find out what each company is offering, compare prices, check reviews and then make the smart decision to ensure that their home is completely covered.