2024’s top affordable home warranty providers

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What’s covered by a home warranty?

Commonly covered by a home warranty are important home systems like:

  • Air conditioning
  • Appliances like washers and dryers
  • Electrical systems
  • Heating systems
  • Plumbing systems

It occasionally covers repairs for roof leaks, pools, and spas. Each provider may have very different exclusions, limits, and specific coverage.

How to pick a low-cost home warranty provider

Find the best value for your particular needs by carefully comparing plans while searching for affordable home warranty providers. Take into account elements including the company’s reputation, the claims procedure, contract conditions, coverage extent, and pricing structure.

Recognizing the variables that affect home warranty prices

  • Service fees: The per-service call fee you pay for a repair visit will average around $75 but can range from $50 to $150
  • Coverage limits: Your plan will likely have caps on how much it covers per repair or appliance (low limits can leave you paying a lot out-of-pocket)
  • Exclusions: Many plans exclude certain brands, systems or entire home components, like roofing
  • Reputation: Go with a reputable provider known for reasonable claims handling
  • Contract terms: You may be able to get a better deal if you sign a longer contract (e.g., annually instead of monthly)

Possible financial benefits of a house warranty

You may be able to avoid paying thousands of dollars in unforeseen repair and replacement expenses by using home warranties. It offers priceless piece of mind against costly malfunctions, particularly for older appliances and household systems whose manufacturer warranties have expired.

For instance, a home warranty would pay for a $5,000+ replacement if your air conditioning unit breaks down in exchange for a nominal monthly payment and service charge, saving you several thousand dollars. For large appliances and residential systems, costs like these can mount up over time.

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