Type A Personalities are always trying to make sure they can control everything in their lives including their monthly budget. However it is difficult to control certain things - for instance, when a repair or replacement of an appliance or other household item will be needed, and how much will it cost. While you can prepare financially for the repair or replacement, you never know how much it will cost in grand total including labour and parts, or whether the repair will work or you will need to further repair the appliance. A home warranty can help the controlling type A persons manage their budget, and level down their stress.
Home Warranty: What is It?
A home warranty is a great way to help keep your repair and replacement expenses under control for your homes appliances and home systems. Home warranties are service agreement policies that cover what’s inside your home, such as the kitchen appliances, clothes washer and dryer and even the furnace and a/c unit.
When one of the covered items breaks, you can get it fixed or replaced for free, although there is a service call fee of approximately $50 on average. There are a lot of companies operating in Denver and each of them has different characteristics. Different home warranty plans with different costs, different service call fees, different level of coverage, and different professionals they are working with.
The cost of a home warranty is dependent on the age of the appliances and what you want to include or exclude from the coverage, as well as the cap on item replacements. On average a home warranty will cost between $35-$65. This regularly scheduled monthly fee is much easier to budget for than the unexpected cost of a repairing or replacing one or more home appliances.
Additional Tips: What Can You Do to Keep Your Repairs Cost Low and Make Sure You are Not Voiding the Terms of Your Home Warranty Policy
Always wanting to keep repairs and maintenance costs low be sure to do regular cleaning and service of your homes appliances and home systems to keep them in good working order. Here are a few tips I gathered from across the internet.
Clothes Washer- Routinely run a wash of white vinegar through the wash to help keep it clean
Clothes Dryer- Keep the lint trap clear and routinely clear the
Dishwasher- Be sure to clear debris from the collection trap (coarse filter)
Cooktop / Oven / Stove- Keeping your oven clean is key to preventing fires! Be sure to keep your cooktop clear of excess debris on the cooktop and in the oven itself.
Built in Microwave- Keep the filter clean and replace when necessary
Air Conditioning Unit- Have the outside unit inspected twice a year, at the beginning of spring and at the end of fall.
Furnace- Change the filter every three months
Garbage Disposal- Do not put things in it like cold leftovers, those go in compost or trash (meat, potatoes, pasta, eggs shells)
When caring for your home appliances and home systems it is important to ensure that you do them correctly and when needed, if they are neglected they can cause problems and if a home warranty is covering the items, the coverage might be voided if proper care and maintenance was not performed. As type A personality, routine should fall right in line with what you need to help control your homes needs and expenses. You can use an app to help schedule the regular maintenance and cleaning needed to care for your home.
If you routinely provide the care and maintenance on your appliances and home systems you will help extend the life of these items and in turn keep your costs low by not having to repair or replace them. Your monthly expenditures would consist mainly of your home warranty.
Do You Really Need a Home Warranty?
The mother of all questions is whether people actually need a home warranty and will it save them money in the long term. The truth is that whether a home warranty is right for you is a very individual question. Some people may be wasting their hard earned dollars on unfit home warranties which do not provide adequate coverage while others may be preventing themselves from large expenses in the future by working with the right company and choosing the right plan for them.
One of the most pivotal questions when coming to consider a home warranty is the contents of the house and the age of the systems and appliances. If your home is brand new and everything is under manufacturer warranty, there is no use for a home warranty. If your house is very old, it is reasonable to believe that many systems will be deemed as “unmaintained” and home warranty companies will refuse to pay for them if they break.
There are so many variables involved in this decision that it is wise to pay good attention into it, read about the topic, gather opinions about the services of the home warranty company you intend using, and use designated calculators which will help you make the right decisions fast.
Article Source: Nate Simms RevewHomeWarranties