Houston Home Service Protection Plan Information

Texas home warranty programs are available with a variety of options. Many builders offer a home warranty with the purchase of a new home. These programs will typically have a variety of coverage’s for the homes structure, plumbing, electrical, foundation, and possibly appliances.

Home warranty programs for already constructed homes usually don’t include the homes structure or foundation. These warranty’s usually cover things like central heat and air conditioning, the electrical system, plumbing, and appliances like your refrigerator, washer, dryer, dishwasher, water heater, and garage door opener. There can also be an option to add coverage for your pool or spa.

Contracts will vary but there is usually a requirement to pay a service charge of around $50 for each covered repair. Then the warranty company will pay the rest for covered repairs as described in your agreement. The warranty cost will depend on the level of coverage and plans are usually in the $300 to $500 per year range.

When a home is sold the seller will often offer to pay for a one year warranty policy for the buyer. This can be a selling tool and might avoid the possibility of the buyer complaining to the seller if a covered item fails soon after the purchase.

In addition to protection from possible costly repairs, a home warranty program also has a benefit of convenience. If a covered item fails you call a toll free number and it is taken care of. Without a warranty you may have to call multiple places and possibly get bids on the repair cost. You could also have to deal with resolving unacceptable repairs.

My personal experience as a homeowner is that central heat and air conditioning systems can need very expensive repairs, especially when the system is 10 years old or more. If you would like to have protection for your household systems and appliances it will probably cost less as a package than to buy a warranty for each separate item. If you have a new home with new appliances you will have manufactures warranties and may not need this type of coverage.

Texas residents can contact me at my Houston Farmers insurance website for more information.

Lamb Insurance Agency, (Farmers Insurance) Auto, Home, Life, and Business Insurance for Texas - http://www.houston-homeowners-insurance.com/

or http://www.insurance-for-texas.com

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