• Howard Gallagher

How to Choose a Home Warranty

There’s no greater feeling than walking into your new home.

You’ve spent so much time meticulously saving every dollar to find your ideal home. You’ve gone through location after location until you knew you’d find the right home just for you and your family.

Now, could you imagine moving into your new home only to be presented with some sort of heating or plumbing issues that cost hundreds and in some cases even thousands?

That’s throwing a wrench in your whole dream. After spending so much on the home now you're faced with renovation and repair costs that you didn’t expect.

The most important measure you can take even before you move into your new home is to have a home warranty covering the major appliances and systems in your home.

For any new homeowner, there’s always the potential risk of running into maintenance issues in your home. Dealing with such issues are best prevented with inspections from your realtor or requesting a seller to place one on the home so that you’re not stuck with the buyer’s remorse.

Normally, a realtor will already have a home warranty on the property in order to avoid any post-sale issues regarding fixtures to appliances or systems, but it is within your right to request one.

It is best to have a home warranty prior to any breaks or damages that already exist. Be sure to go over your home warranty terms and conditions when deciding to get a home warranty. Home warranties do have limits to their coverage.

Home warranty plans are added assets, especially to pre-existing homes. When it comes to a preexisting property there is a higher risk that the systems and appliances in the home have aged significantly along with the property.

It is not uncommon for a home to have it’s original systems still in place from the time the home has been constructed.

There is also a strong possibility that these items have not been serviced as regularly as they should have been.

On average a HVAC system should be routinely inspected at least once or twice a year. Not doing so can cause the equipment to run less efficiently subsequently affecting your energy bill and the air quality of your home.

So let’s talk about a few solutions that are available for you to get started with today?

At Global Home Protection, we have plenty of comprehensive plans that will suit your needs accordingly. We pride ourselves on providing our customers with solutions that we know they can greatly benefit from.

Home Warranties Plans

Choosing a home warranty plan can be confusing at first especially when you are not familiar with the company and a few industry-standard rates.

There are plenty of companies to choose from but picking the criteria that best suits you is what matters most.

You will normally come across several types of plans but for the most part, every company has a similar set up when it comes to how they structure their plans.

The most basic plan is an appliance plan which is exactly how it sounds. The major appliance plan includes the predominantly used appliances that you typically see around the home, for example: ​​

  • Kitchen Refrigerator

  • Oven/Range/Stove

  • CookTop

  • Dishwasher

  • Built-In Microwave

  • Clothes Washer

  • Clothes Dryer​​​​

  • Garbage Disposal

Coverage under this plan ensures the replacement and repair of the major components in your household appliances.

Your average home warranty plan will cost you a few hundred dollars for an entire year of coverage.

Typically plans that cover only appliances will start at a lower rate considering the number of items that are under warranty.

If you are looking to cover systems in your home such as:

  • Air Conditioning System

  • Heating System

  • Electrical System

  • Plumbing Systems

  • Plumbing Stoppage

  • Water Heater

Then a major systems plan is right for you. On average your major system plan is only an extra $100 more than an appliance plan. Having one plan as opposed to the other is entirely up to you and is ultimately based on how necessary you find each plan. Granted, having just one plan covered can still leave you at risk of potentially damaged household systems or appliances.

For homeowners interested in having all their appliances covered so that they don’t have to worry about having to deal with expensive appliances and system repairs or replacements, there is a comprehensive plan.

Joining the best of both worlds the most comprehensive plan that you could get with a home warranty company is a plan that covers both appliances and major systems. This is an extensive list that provides coverage for a multitude of items starting with:

  • Air Conditioning System

  • Heating System

  • Electrical System

  • Plumbing Systems

  • Plumbing Stoppage

  • Water Heater

  • Garbage Disposal

  • Kitchen Refrigerator

  • Oven/Range/Stove

  • CookTop

  • Dishwasher

  • Built-In Microwave

  • Clothes Washer

  • Clothes Dryer

  • Ceiling Fan

  • Exhaust Fan

  • Garage Door Opener

  • Whirlpool Bathtub

One major benefit of having a home warranty is the ability to customize your plan to best suit your needs. Not all homeowners require the same types of coverage, more often than not, homeowners will have amenities on their properties that are not included in the average home warranty plan.

Depending on the square footage and which additional systems you’d like to include your home warranty company can provide additional coverage for your systems. Some items include:

  • Pool/Spa

  • Septic System

  • Stand Alone Freezer

  • Well Pump

  • Water Softener

  • Refrigerator Ice Maker

  • Sump Pump

  • Central Vacuum

  • Limited Roof Leak

Keeping these points in mind it should be easier to decide on which home warranty plan best covers your home's needs.

However, there are still a few key factors to consider when deciding on which home warranty company is the best choice for you.

Deciding on what you need to be covered is one step, but going a one step further and getting to know the companies out there have your best interests. Getting a great deal is always a great thing, who doesn’t want to save some more cash?

What to Look for In a Home Warranty Company

While you’re still deciding on which home warranty company to go with, obviously price is a huge factor in whether or not you choose that company, but, here are a few key factors to help you think about whether you’re getting the most bang for your buck.

  1. Claims Department - Any home warranty company worth its salt will have a claims department that is readily available at a moment's notice. Here at Global Home Protection, our claims department is available and on-call 24 hours a day 7 days a week to service our customers.

  2. Licensed and Pre-Screened Professionals - Having reliable and trustworthy technicians is an important part of a home warranty. Granting strangers access to your home requires immense trust. The Global Home Protection network of professionals have all been pre-screened and are trusted licensed professionals. Moreover, our professionals are capable of being on-site the same day you’ve placed your claim, most other companies wait 24 hours.

  3. Part Supplier Network- Once you’ve filed a claim the waiting period to attain parts with some companies is up to 30 days, while Global Home Protection we have a part supplier located conveniently in the Carolinas. They can ship parts to anywhere in America within 7 days! There’s no reason for you to wait excessively long for replacements or repairs.

After keeping all these points in mind you should be better prepared for making an informed decision when it comes to choosing a home warranty.

Once you’ve weighed your options it’s time to get started by filling out a quote request form. These can be found on any home warranty website and are typically free.

After filling out the form the next step is to call the company and ask them for their most comprehensive plans that best suit your needs and budget.

Always be sure to get a home warranty on items that do not have pre-existing warranties with other companies or manufacturers. Also, any pre-existing conditions that have happened are not eligible for coverage.

The best option is to always get a home warranty plan before the accidents happen. Getting covered is easy and affordable, it’s always better to have the things that matter most you covered.

If you want to avoid paying full price on service fees, replacements, or repairs then a home warranty plan is right for you.

Additionally, we provide all new customers with one month of free service as well as select coverage on additional items not covered by most companies.

Find out more by visiting our home page for information on our most comprehensive plans.

Having a peace of mind is priceless, and a home warranty plan will save you the headache of booking unscreened technicians who sometimes leave jobs half-done.

Avoid dealing with unprofessional contractors, Global Home Protection has a vast network or prescreened and licensed professionals all throughout the United States.

Access to our 24/7 claims department means same-day rush service.