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February
4

Know the Ins & Outs of Home Warranties

Home Warranties
Mark your calendars, homeowners! February 10th is National Home Warranty Day!

Haring Realty knows that you want to protect your home inside and out, that's why our REALTORS® want to help you celebrate this annual holiday by providing you with everything you need to know about the vital resource that is a home warranty.  

What is a Home Warranty?

The way you live transforms an ordinary house into the home of your dreams. Every day, your family relies on appliances and systems like the water heater, washing machine and refrigerator to keep life running smoothly. Unfortunately, normal wear and tear on these machines over time can cause components to malfunction or break. Thankfully, home warranty protection plans are available to help you replace or repair these appliances and systems.

What Do I Need to Know About Home Warranties?

First of all, home warranties are not mandatory, and homeowners can obtain a mortgage without one. However, these protection plans are considered wise investments especially if you have newer appliances, technologies or systems in the home. As you consider whether or not you should purchase a home warranty, consider these additional facts:

  • Most plans are annual. Many warranty providers have plans that suit all types of homeowner and family needs.
  • You will still have to pay some repair/replacement costs upfront. Think of a home warranty like car insurance — you'll pay an annual fee for the coverage and will also have to pay a small deductible in the event of an unfortunate occurrence.
  • Know what is and is not covered. Each protection plan is different which is why it's wise to shop around for the coverage that best suits you. These plans will plainly state what is covered, what isn't covered if there are cap limits on coverage and any deductibles that must be met.

How is a Home Warranty Different Than Homeowner's Insurance?

The difference between a home warranty and homeowner's insurance can be unclear, especially for new homeowners. Homeowner's insurance covers accidental damage to the home's interior and exterior, personal property that is damaged or stolen, and injury that occurs on your property. Unlike appliance damage that occurs naturally over time, homeowner's insurance covers events that may or may not happen such as burglary, fire, damage from storms or some other natural disasters, and flooding from broken pipes.

Why are Home Warranties Important for Homeowners?

Homeowner's insurance is great protection against the many 'what ifs' that threaten your home and property while a home warranty offers reliable coverage for damage that your appliances and home systems will likely incur over time. Home warranty protection plans can save your hundreds — potentially thousands — of dollars in repair or replacement costs. Your coverage provider will also ensure that these repairs are assessed and fixed by licensed technicians, giving you valuable peace of mind.

Looking for a way to celebrate National Home Warranty Day if you've already purchased a home warranty? You're in luck! With reliable coverage for your appliances and home systems, all you have to do is sit back and relax. Fun fact: February 10th is also National Cream Cheese Brownie Day. Bake a pan of irresistible cream cheese and chocolate brownies to share with your friends and family.

Haring Realty specializes in showing prospective homebuyers the best Mansfield homes for sale in their ideal neighborhoods. We also offer helpful tips and advice for homeowners on our blog. Haring Realty's team of knowledgeable REALTORS® are here to help find and care for your dream home. Contact us today to learn more about buying or selling your next home!

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