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Many home warranty companies don’t cover appliances that had problems before you bought your plan – ones that are considered as having pre-existing conditions. Cinch Home Services: Best for pre-existing conditions Why it made our list They also have affordable premiums and generous annual repair limits, so you won’t have to pay a lot out of pocket to get great coverage. We chose these companies because they offer a wide range of coverage options to suit every homeowner’s needs. The Home Service Club : Best for fast coverage.America’s First Choice Home Club : Best for customization.2-10 Home Buyers Warranty : Best for insuring new homes.American Residential Warranty : Best for customer service.Cinch Home Services : Best for pre-existing conditions.Home warranty insurance can significantly reduce the amount of money you pay out of pocket when something breaks, which may make it a worthwhile investment, especially if you own an older home. Others allow you to pay in an annual lump sum and forgo the monthly rate entirely. The service fee is preset in your contract and some companies allow you to opt for a higher service fee in exchange for a lower monthly premium - or vice versa.
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The cost is typically broken down into a monthly premium, plus a service fee you pay whenever you file a claim (like a deductible). It generally costs a few hundred dollars per year and provides thousands of dollars’ worth of coverage for a variety of home systems and appliances. Home warranty insurance provides coverage for the things that homeowner’s insurance doesn’t, like broken appliances and failing air conditioning units. If you’re considering signing up for a plan, browse the list of the top six best home warranty companies. While mortgage lenders don’t require that you get a home warranty, purchasing one can give you extra peace of mind. It helps cover the repair costs of the appliances and systems in your home that regularly malfunction, such as refrigerators and plumbing systems. That’s where home warranty insurance comes in. Homeowner’s insurance covers property damage due to fires and other disasters, but it isn’t much help when your dishwasher breaks down.