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I started my real estate career after finishing my university. My career move to the real estate was a natural transition. My background in marketing matched with the career path and I helped clients to sell their homes.

Top 4 things to know before buying a home warranty

Home warranties are different from the homeowners’ insurance. Homeowner’s insurance is needed by the mortgage company and covers personal property and contents within the house in case disaster occurs. A home warranty is something optional, unlike the homeowner’s insurance. It covers the repair and replacement of the major home appliances for a specific period. If you are thinking of buying a home warranty, then you should keep a few things in mind.

Home warranties are valid for specific length of time

Normally, you get home warranty for one year. It can be renewed with an extra fee. But you won’t be notified about the expiry date of the appliances.

Home warranties don’t provide the same level of coverage

Every home entry policy is different. Coverage includes your air conditioner, furnace, and other appliances. The coverages vary and so does the prices. Home warranties can range from $250 to $600 a year.

Deductible is involved when claim is made

When you make a claim, you may have to spend $50 to $100. So, the service is not entirely free even if you have a home warranty.

You don’t have any control on the contractor

Once you claim, the home warranty company sends a contractor. You cannot choose a contractor of your own. So, you won’t have anything to say on how well the repair work has been done. You might not get quality workmanship.

Many people still don’t consider home warranty to be something useful. But they can save you a lot of money. Do some research on what is covered in various home warranties and then make your decision to purchase the warranty.