Getting a home warranty is everyone’s business in California!
If you own a home, and you want to save money, it is important that you secure a home warranty offer.
But, it can also have problems if:
- You are not careful with the agency you are dealing with
- You are not aware of the technicalities of the deal
- You don’t know what to expect with home warranty
Good for you, I am sharing in this article a proven guide for getting a home warranty in California.
The information I collected in this guide is 100% realistic and experienced-based.
Read everything in this article for a problem-free home warranty deal…
What is a Home Warranty?
A home warranty plan is developed to protect your finances from unwanted costs of replacing and/or repairing your home appliances.
Offered in terms of coverage, both sellers and buyers measure the quality of the home warranty plan based on the duration of its coverage.
Why should I be concerned about the duration of the coverage?
You should be concerned about the duration of the coverage because the home warranty is simply developed to cover exactly the appliance’s lifespan.
For example, the expected lifespan of a particular home appliance vs. the actual time it dies on you presents a very solid quantifiable gain.
Ideally, the more the appliance falls exactly into its expected lifespan, the better. By then, you will just have to let the coverage take care in replacing it.
IMPORTANT POINT: So, the warranty works to cover future fees for replacing these items/appliances.
Most, if not all plans, cover fees for mainly replacing your appliances.
The home appliances include:
- All Electronic Tools
- Laundry Electronics
- Entertainment System
- Plumbing Tools
- Cooking Appliances
To say it simply, the home warranty plan pays for the naturally-occurring or expected damages in your home.
But wait… what if some of my appliances depreciate before their projected limit?
A GOLDEN RULE: Always expect 80% of the time that your appliances are to depreciate before their projected limit.
As you do so, you’ll automatically adjust your mental frame whenever you decide to claim for a warranty.
Here are important things you should consider in order to brace yourself for such possibility:
- List the appliances (including their brands) you intend to be covered by the warranty.
- Have your appliances thoroughly assessed by the state department of appliance and electronics surveyors.
- List down the figures for future reference. By this time, you will already have approximated information on your appliance’s current performance.
- With the records listed, contact your preferred home warranty provider.
- Request for a separate assessment of your appliances by the provider. You don’t have to disclose any information about the previous assessment done by the state department. It’s not their business to know.
- List down the current figures (assessment results) taken by the provider.
- Compare results. If the results are close, meaning not highly contrasted, then take it as an indication that your provider is a trustworthy one.
BONUS: The information about your appliances are yours to keep. They can further serve as your bible for monitoring your home appliance’s current conditions.
With such a record, you now have a personal judgement on your appliances’ fate.
ANOTHER MAJOR OPTION: If the assessment yielded an unlikely result indicating that 70-80% of your appliances are not made to last to their projected limit, you can resort to home insurance instead.
What should I know about home insurance?
The most important thing you have to keep in mind when getting home insurance is the fact that it’s meant to cover individual appliances.
Although alike home warranty in certain aspects, it’s also very different.
Opposite home warranty, a home insurance offer covers appliance parts, functionality and unpredictable damage, injury, etc.
Nevertheless, it also covers the appliance’s long-term expectancy!
It’s different in terms of package inclusion. Lastly, it proves to be more expensive than home warranty.
So there you go! Some useful information to prepare you for the ultimate guide…
Here we go!
A Proven Guide for Getting a Home Warranty in California
Are you aching to get a home warranty in California?
Here’s an effective guide that can help you do safely and successfully:
Tip 1- Decide How Much Coverage You Need
- Decide which appliances you’d like to include in the coverage.
- Have them assessed by a non-partisan state department evaluator.
- Have them assessed by your chosen provider.
- Study results.
- Identify your needs against your current budget.
Tip 2- Look for All Trusted Home Warranty Companies
- Make a thorough research about the best-reviewed home warranty providers in California, and gather key points according to housemethod.com for instance.
- Ask advice from other customers.
- Communicate with a realtor.
- Ask recommendations from the realtor, the real estate agent, and also the home warranty agent.
Tip 3- Once You’ve Decided on One, Discuss Matters with an Agent
- Discuss payment modes and discount offers with the agent.
- Speak personally with the agent and inquire on the following:
- Special offers/advantages
- Payment mode
- Discount payment offers
- Other discount strategies
- Get to know the company’s policies even before signing a contract.
Tip 4- Read the Policies and Contracts Properly Before Signing
- Ask for a hard print of the policies, conditions, and warranty limitations.
- Read over it. You can ask for a legal representative to interpret them for you.
- Once you have decided on it, then proceed with studying the contract before finally signing it.
- By all means, take time in gathering your thoughts before deciding.
So that’s about it.
I hope you learned a lot from this article.
Keep on reading for my final thoughts…
Getting a home warranty in California is a practical decision. Despite the assurance offered by the home warranty plan, you just can’t leave things to chance.
In that sense, there’s a 50% chance that you’ll save money with home warranty. However, there’s also a 50% chance that you won’t. Worse, you can even get in trouble with home warranty.
To prevent this from happening in the future:
- You must be careful with the agency you are dealing with
- You must be aware of the technicalities of the deal
- You must know what to expect with home warranty
You must learn the guide for getting a home warranty in California by heart.
Now that you’ve read this article to its end, you’re 10 steps toward your goal!
Keep going and best of luck!