Should I Get a Home Warranty?

A home warranty is a plan or service contract that helps you pay for repairs and replacements of major systems or appliances in your home — from plumbing work to replacing a refrigerator. This coverage can protect homeowners financially in case large or surprise expenses hit. The process is simple: when something breaks down, you submit a claim, and a licensed contractor comes out to address the issue.

What’s Covered In Your Aegis Home Warranty

Home warranties usually cover failure of systems and appliances due to normal wear and tear (regular use over time). However, there are different types of home warranties available for whatever homeowners need. Some plans protect fewer, specific things, while others offer broader coverage. Home warranties usually cover the following:

Major systems

  • Electrical
  • Plumbing
  • Heating
  • Cooling

Major Appliances

  • Range/oven
  • Dishwasher
  • Garbage disposal
  • Garage door opener
  • Built-in microwave

What’s Not Covered In Your Aegis Home Warranty

A home warranty is different from homeowners insurance, which covers damage to homes in cases of disasters/perils like fires or theft. Home warranties also don’t protect structural features of a home, such as windows and doors.

It’s important to know that there can be coverage limits to home warranties. For example, if you’re replacing your refrigerator and it costs more than the max dollar amount in your contract, you’ll have to pay the difference.

Costs

With home warranties, you pay an annual premium and fees for service claims. Premiums for home warranties start around $350 per year, though the amount varies based on where you live and the types and number of items or systems in the plan. Service charges start around $75 per claim/visit. If you add extra items to your plan — for instance, a pool or septic system — you’ll pay a higher premium.

When a home warranty can help

You have an older home/appliances
If you’re a current homeowner and have older appliances or systems that could fail soon, getting warranty coverage on them could be a smart move.

You’re selling your home
Offering the protection of a home warranty plan to potential buyers can sweeten the deal and make the process simpler if unexpected repairs or replacements come up.

You’re buying a home
You may want the peace of mind that comes with a home warranty, as surprise repairs can be financially overwhelming after the purchase of a house.

Your budget is tight
Repairs/replacements can cost hundreds to thousands of dollars, and you may be unable to pay out of pocket for them. A home warranty can protect your budget when a major appliance or system breaks down.

You don’t want to hunt down contractors yourself
Home warranties can save you time and hassle when a major system or appliance breaks down since plans include an approved network of licensed contractors.

Find the best plan for you

When shopping for a home warranty, it’s important to understand what kind of coverage you need and what the costs are. To learn more about home warranties and to get help choosing the right plan, contact an Aegis expert at 855-883-7200. We’ll walk you through the process and provide you with a free, no-obligation quote on a customized Home Protection Plan.

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