When I first bought the house that my wife and I live in here in California I looked at a couple of companies who offered home warranty plans. In fact, I was actually on the phone to customers service talking prices after reading the First American Home Warranty Reviews, who seemed to be the best option.
At that stage, I had spent just about every penny that I had on buying the property and I really didn’t think that shelling out for another policy, which wasn’t obligatory was the best idea, despite the protection which it gave me. My wife and I agreed to wait a little while.
One day my neighbor asked me round to give them some help after a leak in their bathroom, which had caused quite a bit of damage. I was chatting to my neighbors about getting things fixed up and they really weren’t worried because they had both home insurance and home warranty which would protect them.
This reminded me of what I had read in the past, an article where they interviewed a number of financial experts about how to run a home, and they all mentioned home warranty is essential.
I felt that what happened to my neighbors was a sign that I too should sign up, so I went back to the reviews, looked to compare pricing plans and signed up there and then. If you haven’t got a home warranty policy then here is exactly why it is so important.
Difference in Policy
The first thing to mention here is that home insurance and home warranty are completely different and the best advice is to have a plan for each.
Home insurance will protect you against damage to the structure of the property, as well as offering protection against the damage or loss of contents from inside the property.
A home warranty, on the other hand, protects the systems in the home such as plumbing, electricity and air conditioning. Check out reviews by House Method in order to get the very best deal when comparing home warranty providers.
If you live in an area that could be prone to a natural disaster then this is a policy which you are certainly going to need. Here in California, for example, we have the risk of wildfires and earthquakes which could strike, and that is part f the reason why I wanted to make sure that I was dully covered against any eventuality.
Natural disasters can and do strike at any time and when they do, you are going to want to be sure that you have all of the necessary protection for your home.
Incidents in the House
Running a house involves so many working parts and invariably they can break. A leaking pipe during the winter months, dodgy wiring in the home or a broken-down HVAC system in the middle of summer, incidents like this are commonplace.
If something should go wrong then any damage which has been caused to the contents in the property or to the property itself will be covered by your home insurance, but the root cause of the issue if it is related to your systems, will not. This is where a home warranty comes in and will offer you maximum protection against any issues with the systems in your home.
Peace of Mind
There is a lot to be said for the peace of mind which you will have when you are safe in the knowledge that your home is completely protected against any eventuality.
For me, this was something which I noticed right away and an additional benefit that I found was the ability to plan better financially.
In the past, I would always have to squirrel some money away just in case something went wrong at home, but now I know that no matter what happens with my property, the most that I will ever pay is the excess amount. This peace of mind is valuable and you will notice it once you sign up for a policy.
When something does go wrong at home instead of having to call around to find the very best person to come and resolve the issue, you only need to make one call to your home warranty provider.
Buyers of these policies can count on having access to the best workers in the area who will attend you very quickly and help you to get back to normal. This means no more calling around getting quotes, no taking risks with unknown local businesses, just a simple way of getting your issues resolved.
If you don’t currently have a home warranty then it is something which I would greatly recommend as it is going to save you money in the long run and it is going to give you the protection which your home needs.