Upgrade Your Home Warranty: Protect Your Investment!
As a homeowner, you understand the importance of protecting your investment. One way to do this is by having a home warranty plan. Home warranty plans protect you from unexpected repairs and replacements of major systems and appliances in your home.
However, not all home warranty plans are created equal. In this article, we will discuss the signs that indicate you need a better home warranty plan for you.
Insufficient Coverage
One of the most significant signs that you need a better home warranty plan is insufficient coverage. Every home warranty plan has its own set of covered items, and if your current plan does not cover the systems and appliances that you need, it is time to consider a better plan. For instance, if your current plan does not cover your HVAC system, and you live in an area with extreme temperatures, it is crucial to have a plan that covers it.
High Deductibles
Another sign that you need a better home warranty plan is high deductibles. Home warranty plans usually require a deductible for each service call, which can range from $50 to $125. If your home warranty plan has a high deductible, it can be expensive to use, and you may find yourself paying out of pocket for repairs instead. In such a situation, it is better to consider a different home warranty plan with a lower deductible.
Unresponsive Providers
When you submit a claim to your home warranty provider, you expect a quick and efficient response. If your provider is unresponsive or takes a long time to resolve your claim, it is a sign that you need a better home warranty plan. A good home warranty plan should have a prompt and responsive customer service team that can help you when you need it.
Excessive Exclusions
Some home warranty plans have excessive exclusions that limit what is covered. For example, some plans exclude pre-existing conditions or cover only specific parts of an appliance or system. This can be frustrating when you have a claim that is not covered due to an exclusion. If your current plan has excessive exclusions, it is time to find a better plan that offers comprehensive coverage.
Limited Service Providers
Most home warranty plans work with a network of service providers to handle repairs and replacements. If your current plan has limited service providers, it can be challenging to find a qualified and trustworthy professional to handle your claim. A good home warranty plan should have a wide network of service providers that you can choose from, giving you the flexibility to find the right professional for your needs.
Outdated Technology
As technology advances, so do home appliances and systems. If your home warranty plan does not cover modern systems or appliances, it is time to find a better plan. For instance, if your current plan does not cover smart home devices or energy-efficient appliances, you may miss out on cost-saving opportunities and the convenience of modern technology. A good home warranty plan should keep up with the latest advancements and offer coverage for modern systems and appliances.
Costly Premiums
Home warranty plans come at a cost, and the premiums can vary from plan to plan. If your current plan has costly premiums that strain your budget, it is time to shop around for a better plan. A good home warranty plan should offer reasonable premiums that are affordable for you.
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For example – when something breaks you can pick your own service provider. Call them out to do the repair and get it fixed. When you can request to be reimbursed based on the coverage limits in the brochure.
We also have a small deductible – so more money in your pocket!
Conclusion
A home warranty plan is an excellent way to protect your investment and provide peace of mind. However, not all home warranty plans are created equal, and the signs discussed in this article indicate the need for a better plan. When you encounter any of these signs, it is time to consider a better home warranty plan that offers comprehensive coverage, prompt service, affordable premiums, and keeps up with modern technology.
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