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Home Warranty protects your P.E.A.C.H.

Main Idaho Real Estate Insights

Home Warranties protect you from things in your home that break you may not want to spen a lot of money on.

PEACH stands for

  • Plumbing
  • Electrical
  • Appliances
  • Cooling
  • Heating

Home Warranty covers normal wear and tear on these items, as opposed to insurance which covers natural disasters. Home ownership and all the responsibilities that come along with it can sometimes be difficult to take charge of so getting a home protection plan. A home warranty can provide peace of mind, defray unexpected costs, and protect your new investment.

Here is what you need to know about a Home Warranty

1. What is a home warranty?

A home warranty protects against unexpected things that could happen after the purchase of your home. Sometimes, major appliances and other big-ticket items breakdown or malfunction, thereby protecting you from costly repairs.

2. What is covered under a home warranty?

A home warranty will cover repairs and replacements on systems and appliances due to normal wear and tear. This typically includes plumbing, electrical, appliances (stoves, ovens, the trash compactor, the dishwasher, and microwave), HVAC Systems. Many times, you have to meet a deductible.

3. What is not covered under a home warranty?

Damage done to items outside of normal wear and tear are not covered under a home warranty. Alos, any problems that predate the coverage or are due to lack of maintenance. This means if you were hoping to cover a particular item that has been on its last leg for a while, you may be disappointed. Example of this could include sprinklers, faucet repairs, swimming pools, spas, and permit fees.

4. How is a home warranty different from homeowner’s insurance?

Unlike a home warranty, home insurance covers your home’s structure and belongings in the event of a fire, storm, flood, or other accident.

5. Do YouI need to have a home inspection before you can enroll?

Although an inspection report is not required, it is always nice to have. Be prepared for the vendor to ask for it if something looks negligent.

Posted by tlangford at 12/8/2018 9:02:00 AM

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