{"id":52534,"date":"2021-05-17T17:07:59","date_gmt":"2021-05-17T16:07:59","guid":{"rendered":"https:\/\/ghanadmission.com\/?p=52534"},"modified":"2021-05-17T17:07:59","modified_gmt":"2021-05-17T16:07:59","slug":"home-warranty","status":"publish","type":"post","link":"https:\/\/ghanadmission.com\/home-warranty\/","title":{"rendered":"Home Warranty"},"content":{"rendered":"<p><span style=\"font-family: 'times new roman', times, serif;\">Home warranty and homeowners insurance are two totally different things. Though they are both tied to your home to give you some kind of protection from financial burden. <\/span><span style=\"font-family: 'times new roman', times, serif;\">However, they provide their coverage in their separate ways, individually.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-52535 aligncenter\" src=\"https:\/\/i0.wp.com\/ghanadmission.com\/wp-content\/uploads\/2023\/05\/Home-Warranty.png?resize=250%2C202&#038;ssl=1\" alt=\"Home Warranty\" width=\"250\" height=\"202\" data-recalc-dims=\"1\" \/><\/p>\n<p><span style=\"font-family: 'times new roman', times, serif;\">Ultimately, you can purchase homeowner insurance and also have a home warranty. Nothing beats being protected from financial expenses. <\/span><span style=\"font-family: 'times new roman', times, serif;\">Therefore, it is important for you to know how to differentiate between a home warranty and homeowner insurance. So that in case you decide to buy your home, you should know what is in your interest or what you should not do.<\/span><\/p>\n<h2><span style=\"font-family: 'times new roman', times, serif;\"><strong><b>What is a Home Warranty?<\/b><\/strong><\/span><\/h2>\n<p><span style=\"font-family: 'times new roman', times, serif;\">A home warranty is a contract or a service plan between a homeowner and a home warranty company. This company provides coverage for repairs and the replacement of your household appliances.<\/span><\/p>\n<p><span style=\"font-family: 'times new roman', times, serif;\">A home warranty is an annual service plan that helps to protect you from the financial burden of replacing or repairing your major home appliances. So, when your major home appliances break down due to aging or become faulty, your home warranty company bears the financial expenses. <\/span><span style=\"font-family: 'times new roman', times, serif;\">Basically, you do not have to worry about unexpected expenses that you never budgeted for.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif;\"><strong><b>Appliances that can be covered under a home warranty<\/b><\/strong><\/span><\/h3>\n<ul>\n<li><span style=\"font-family: 'times new roman', times, serif;\">Dishwashers<\/span><\/li>\n<li><span style=\"font-family: 'times new roman', times, serif;\">Air conditioners<\/span><\/li>\n<li><span style=\"font-family: 'times new roman', times, serif;\">Heating system<\/span><\/li>\n<li><span style=\"font-family: 'times new roman', times, serif;\">Laundry system<\/span><\/li>\n<li><span style=\"font-family: 'times new roman', times, serif;\">Swimming pool<\/span><\/li>\n<li><span style=\"font-family: 'times new roman', times, serif;\">Built-in microwave<\/span><\/li>\n<li><span style=\"font-family: 'times new roman', times, serif;\">Plumbing work<\/span><\/li>\n<li><span style=\"font-family: 'times new roman', times, serif;\">Refrigerator<\/span><\/li>\n<li><span style=\"font-family: 'times new roman', times, serif;\">Furnace<\/span><\/li>\n<li><span style=\"font-family: 'times new roman', times, serif;\">Electrical system<\/span><\/li>\n<li><span style=\"font-family: 'times new roman', times, serif;\">Garage door system<\/span><\/li>\n<li><span style=\"font-family: 'times new roman', times, serif;\">Ventilating system<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-family: 'times new roman', times, serif;\"><strong><b>The reason why you should have a home warranty<\/b><\/strong><\/span><\/h2>\n<p><span style=\"font-family: 'times new roman', times, serif;\">Basically, among other things, there are the major reasons why you must ask for a home warranty. As we\u2019ve stated above, homeowner insurance and home warranty are very different coverages that you must have as a homeowner.<\/span><\/p>\n<p><span style=\"font-family: 'times new roman', times, serif;\">Now, these are some of the reasons why you must have that annual service plan.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif;\"><strong><b>Buying an old home<\/b><\/strong><\/span><\/h3>\n<p><span style=\"font-family: 'times new roman', times, serif;\">When you set out to buy those beautiful but old homes, you must involve yourself with the home warranty annual plans. Here\u2019s why. \u00a0Most of the appliances in those homes may be really old and on the verge of breaking down due to wear and tear. Therefore, home warranty provides you the coverage from unexpected financial loss.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif;\"><strong><b>Financial cost<\/b><\/strong><\/span><\/h3>\n<p><span style=\"font-family: 'times new roman', times, serif;\">Firstly, you must have spent a ton in purchasing your home. Your pocket should take a break from getting dipped into. So imagine that 3 major systems and appliances stopped working at once. The\u00a0cooling system,\u00a0the plumbing work, and the washer.<\/span><\/p>\n<p><span style=\"font-family: 'times new roman', times, serif;\">You call your homeowner insurance company, and they tell you that they do not cover that part of your home. Therefore, you must spend excessively replacing your cooling system, repairing the plumbing work, and replacing the broken washer after paying to get it fixed without success. Now, imagine the financial stress you must pass through to repair and replace all.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif;\"><strong><b>Peace of mind<\/b><\/strong><\/span><\/h3>\n<p><span style=\"font-family: 'times new roman', times, serif;\">If you\u2019ve ever worried about the next appliance that will break down and your budget, then, it\u2019s time you have a talk with a home warranty company agent. The majority of the time, these appliances don\u2019t give a warning or sign before they break down.<\/span><\/p>\n<p><span style=\"font-family: 'times new roman', times, serif;\">And, you don\u2019t have to keep adjusting your budget and losing sleep over the next appliance or system in your home. So directly or not, your peace of mind is tied to knowing that if you notice a faulty or broken appliance in your home, all you have to do is to place a call to your home warranty company.<\/span><\/p>\n<h2><span style=\"font-family: 'times new roman', times, serif;\"><strong><b>Homeowner insurance vs Home Warranty<\/b><\/strong><\/span><\/h2>\n<p><span style=\"font-family: 'times new roman', times, serif;\">If you\u2019re still confused about the coverage offered by homeowner insurance and the coverage home warranty offers, here is a typical and relatable examples.<\/span><\/p>\n<h3><strong>Homeowner insurance<\/strong><\/h3>\n<p><span style=\"font-family: 'times new roman', times, serif;\">Karen buys herself a home and was smart enough to also purchase a <a href=\"https:\/\/wordpress-772422-2625326.cloudwaysapps.com\/us\/homeowner-insurance\/\">homeowner insurance<\/a> policy to cover any loss that may happen with her home. A few years down the line, a bolt of lightning struck her home and the entire building went up in flames. Karen placed a distress call to her homeowner insurance company. <\/span><\/p>\n<p><span style=\"font-family: 'times new roman', times, serif;\">Then, after some paperwork, a construction company moved in and started rebuilding Karen\u2019s house. But surprisingly, Karen wasn\u2019t paying for the work that is going on. Her homeowner company bore the financial cost.<\/span><\/p>\n<p><span style=\"font-family: 'times new roman', times, serif;\">Obviously, homeowner insurance protects your home and you from financial loss that affects your home like<\/span><\/p>\n<ul>\n<li><span style=\"font-family: 'times new roman', times, serif;\">Fire<\/span><\/li>\n<li><span style=\"font-family: 'times new roman', times, serif;\">Natural disasters<\/span><\/li>\n<li><span style=\"font-family: 'times new roman', times, serif;\">Theft and any other thing included in the policy.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-family: 'times new roman', times, serif;\"><strong><b>Home Warranty<\/b><\/strong><\/span><\/h3>\n<p><span style=\"font-family: 'times new roman', times, serif;\">Meanwhile, Tony on the other side of the state got a home warranty for his home. A few days later, he noticed that the ventilating system in his new home is faulty including his built-in microwave. Immediately, he placed a call to his homeowner insurance company. <\/span><span style=\"font-family: 'times new roman', times, serif;\">But he was disappointed when they explained to him that his policy does not have a clause for home appliances or systems.<\/span><\/p>\n<p><span style=\"font-family: 'times new roman', times, serif;\">Finally, Tony remembered his home warranty and quickly called the company. In less than an hour, a service and maintenance person sent by his home warranty company knocked on his front door.<\/span><\/p>\n<p><span style=\"font-family: 'times new roman', times, serif;\">So, with these examples, you can see that homeowner insurance takes care of damage to your home while home warranty takes care of the repair and replacement of your appliances and systems in your home.<\/span><\/p>\n<h2><span style=\"font-family: 'times new roman', times, serif;\"><strong><b>Can I have a home warranty and homeowner insurance?<\/b><\/strong><\/span><\/h2>\n<p><span style=\"font-family: 'times new roman', times, serif;\">It\u2019s a resounding yes, after all. Both work to lift off any financial stress you may encounter in the future from owning a home and keeping the home running smoothly.<\/span><\/p>\n<p><span style=\"font-family: 'times new roman', times, serif;\">Also, both give you some peace of mind in their respective capacity.<\/span><\/p>\n<h2><strong><span style=\"font-family: 'times new roman', times, serif;\">Home warranty drawbacks<\/span><\/strong><\/h2>\n<p><span style=\"font-family: 'times new roman', times, serif;\">While it is a good idea to purchase a home warranty. However, there are drawbacks you must equally face.<\/span><\/p>\n<h3><span style=\"font-family: 'times new roman', times, serif;\"><strong><b>Maintenance Gary Area<\/b><\/strong><\/span><\/h3>\n<p><span style=\"font-family: 'times new roman', times, serif;\">Now, a home warranty is all nice and dandy until it gets to an expensive appliance that was misused. <a href=\"https:\/\/www.landmarkhw.com\">Home warranty companies<\/a> cover only the repair or replacement of appliances that you used and maintained properly. No matter your claims, they only believe in taking care of what only broke down through normal wear and tear. <\/span><\/p>\n<p><span style=\"font-family: 'times new roman', times, serif;\">And not any appliance that got broken through misuse or mishandling. So, the gray area is the appliance that had proper maintenance. Therefore, buying a home that had its appliances previously misused by former owners could pose a problem. However you try to protect it, when it falls apart, your home warranty company may find it hard to step in.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Home warranty and homeowners insurance are two totally different things. Though they are both tied to your home to give you some kind of protection from financial burden. However, they provide their coverage in their separate ways, individually. Ultimately, you can purchase homeowner insurance and also have a home warranty. 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