Arizona home warranty options
A number of home warranty options are available for homeowners in Arizona. Understanding the service fee, customer service and how warranty coverage options supplement your homeowner's insurance can help inform what you need from your warranty plan.
Whether you need a basic plan or a comprehensive home warranty plan, we'll help you understand the home warranty coverage options available for an Arizona home.
How can a home warranty benefit homeowners in Arizona?
A home warranty plan (often referred to as a home protection plan) is an annual service agreement that extends beyond the manufacturer's warranty for each major home system and appliance. Home warranty coverage can be added at any time to most types of homes.
In Arizona, a basic plan will cover many major appliances, along with smaller items, such as a garage door opener. Additional coverage can be added that covers each important home system, including HVAC and plumbing and electrical.
If you are selling a home, adding home warranty coverage while the home is on the market will help protect you financially. It also will give the buyer peace of mind that their risk is limited. The cost of the warranty can be included in the closing costs. Be sure to ask your real estate agent about the best way to handle this as part of any real estate transaction.
If you are a buyer, and the homeowner has not included a home warranty plan, your title company or real estate agent should be able to inform you on how to include payment in your closing costs.
What should you look for in a home warranty policy in Arizona?
The best Arizona home warranty companies will provide comprehensive coverage for critical home systems and appliances, offer affordable warranty plan pricing and have excellent customer service. No matter what home warranty company you select, be sure to review your service agreement prior to signing. And if you need to figure out how to accommodate a monthly budget, picking a higher service fee may be necessary.
What common items are not covered by a home warranty in Arizona?
While most major appliances and systems should fall under a home warranty coverage, it is important to understand any exclusions or limitations of your specific warranty plan. The following are common items that are not covered by an Arizona home warranty:
- Garage doors and tracks
- Windows, walls and doors
- Roof leaks
- Sprinkler systems
- Hot tubs and pools
- Pre-existing conditions
- Service providers outside their network
The details are important for you to understand. Your home warranty plan will likely cover a garage door opener, but it will probably not cover the garage doors and tracks. Review your home warranty plan’s details to ensure you understand where you have coverage gaps. Your home warranty provider's customer service should be able to easily answer any specific coverage questions.
Why is it good to have a home warranty even if you have home insurance in Arizona?
While home insurance can supplement a home warranty plan by covering events related to fire, theft or extreme weather, it will not guard you against issues related to daily wear and tear. Homeowners insurance is a great supplement to any warranty plan since there is generally little overlap between the two.
Home insurance is mandatory for any homeowner with a mortgage, while a home warranty is optional. Unfortunately, this means many homeowners do not have coverage when a system they depend on, such as a water heater, breaks down from normal daily use.
What should you look for in a home warranty policy in Arizona?
When searching for a home warranty provider for your Arizona home, keep in mind that the best warranty provider is the one that best matches your needs to their service. Your home warranty company will take time to understand your coverage options, how a service fee will affect your monthly rate and can explain any gaps between your warranty plan and your homeowners insurance.
Cinch Home Services offers a variety of coverage plans for Arizona homeowners that can be adjusted to meet your budget and needs. Our customer service team will happily answer any questions you have about your personal coverage needs.
Discover the Cinch difference. Choose a plan, and start protecting your home today!