Home appliances and systems only last so long, and then it's up to you to either fix them or replace them.
That's the joy of home ownership.
It's a big responsibility, and it can be very expensive.
That's why home warranties are so highly recommended-because it takes away some of that burden, along with the cost.
However, you need to know what you're getting into.
Be sure to pick a good company, read your contract carefully, and know what the policies are.
Pick a Good Company Be aware that there are some fraudulent companies out there-companies that claim to offer home warranties, but when you call to make a claim, the claim is always denied.
They will take your money, and you'll get nothing in return.
Do your research on a company before buying a warranty.
Read online reviews, ask your friends and family who they use, and call the company and ask questions.
Make sure they have good customer service and that you can easily contact them at any time of day or during the weekend.
Find out how quickly they respond to claims and finish repairs.
Read Your Contract Carefully Many people become frustrated when they make a claim and it's denied.
This can be very frustrating, but many times, it's because the customer has unrealistic expectations because they didn't read their contract.
They didn't read the part about pre-existing conditions or the part about regularly maintaining the appliances.
Or they misunderstood the policies and didn't ask questions.
These are things you want to know before you buy so you know what to expect and don't end up wasting your time arguing with them and not getting what you need.
Know the Policies Some companies are only willing to do repairs rather than replace.
If you have older appliances that break down frequently, you could be calling the company quite often.
You may want to find a plan that is willing to give replacements so you don't have to go through the hassle of constantly repairing things.
What are the company's procedures as far as claims go? Once you make a claim, how long does it take them to respond? How long before you see a repairman? How quickly will the repairman be able to get parts and get the job done? There are not many appliances you can go too long without so ask these questions before making a decision.
That's the joy of home ownership.
It's a big responsibility, and it can be very expensive.
That's why home warranties are so highly recommended-because it takes away some of that burden, along with the cost.
However, you need to know what you're getting into.
Be sure to pick a good company, read your contract carefully, and know what the policies are.
Pick a Good Company Be aware that there are some fraudulent companies out there-companies that claim to offer home warranties, but when you call to make a claim, the claim is always denied.
They will take your money, and you'll get nothing in return.
Do your research on a company before buying a warranty.
Read online reviews, ask your friends and family who they use, and call the company and ask questions.
Make sure they have good customer service and that you can easily contact them at any time of day or during the weekend.
Find out how quickly they respond to claims and finish repairs.
Read Your Contract Carefully Many people become frustrated when they make a claim and it's denied.
This can be very frustrating, but many times, it's because the customer has unrealistic expectations because they didn't read their contract.
They didn't read the part about pre-existing conditions or the part about regularly maintaining the appliances.
Or they misunderstood the policies and didn't ask questions.
These are things you want to know before you buy so you know what to expect and don't end up wasting your time arguing with them and not getting what you need.
Know the Policies Some companies are only willing to do repairs rather than replace.
If you have older appliances that break down frequently, you could be calling the company quite often.
You may want to find a plan that is willing to give replacements so you don't have to go through the hassle of constantly repairing things.
What are the company's procedures as far as claims go? Once you make a claim, how long does it take them to respond? How long before you see a repairman? How quickly will the repairman be able to get parts and get the job done? There are not many appliances you can go too long without so ask these questions before making a decision.
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