No-stress Home Repairs for the Single Girl

What are home warranties all about?

It’s the middle of January, it’s 11:00 at night, and your furnace refuses to kick on. You have no clue what to do and no one you can call at that hour. Panic starts to set in. What if the furnace is dead and you have to replace it? Who are you going to call to come look at it, you’ve never had to deal with this before? What if the repair man is creepy? What if you get taken for a ride? Your bank account can’t afford this and neither can your nerves! Thankfully, there’s something you can do preemptively to keep this scenario from happening. Get a home warranty.

What is a home warranty? A home warranty plan guards against unexpected service repair costs of a residential home’s major mechanical systems and appliances. A home warranty plan is NOT a homeowner’s insurance policy, it’s a service contract covering repair and/or replacement of the home’s internal systems and appliances. The service agreement can last for a term of one year or more. Home warranties cover normal wear and tear on the home’s systems and appliances, which must be in good working order before the contract begins with the warranty company.

When should you get a home warranty? If your home is new construction then you likely received a one-year warranty from your builder when you purchased the home and the likelihood of something major going wrong in the near future is pretty small. If your home and appliances are older, though, a home warranty may be something to look into.

What are the benefits and costs?

  • Home warranties generally cover your HVAC system, water heater, appliances, plumbing and electrical systems. All those things that are costly to repair/replace, and that we single girls may or may not know a single thing about.
  • When something goes wrong with one of these systems, you call the home warranty company and they take care of putting you in you touch with one of their technicians, you don’t have to do this yourself.
  • The technician will talk you through quick-fix scenarios you can do yourself, such as pressing a reset button, in order to avoid the cost of them coming to your home. You do pay a small fee when a technician comes to your home.
  • The home warranty company has relationships with their technicians, so you know you’re getting someone who’s vetted and trusted by the entity who will be paying the bill.
  • Most home warranty companies have a 24/7 customer service line so that you can call right away when something goes wrong. They may not be able to get someone out there to fix it in the middle of the night, but you can at least get the ball rolling and have someone to talk to who’s going to help you. Sometimes the worst part of having something go wrong in your home is the anxiety of having no one to help you with it.
  • All home warranty companies are different and have different packages and fees, but a standard home warranty can cost as little as $35/month.

What is the process for obtaining a home warranty? Once you find a company you want to work with and the plan you’re interested in, the home warranty company will send someone out to inspect your systems and appliances to make sure they’re in good working order before they issue the warranty. If you’re purchasing a home, they will generally use the home inspector’s inspection.

Obtaining a home warranty will involve some research on your part and some math. Look for a reputable company that allows you to customize your plan, has a 24/7 customer service line for when you need them, and read the fine print on costs and fees. It may or may not be worth the money for you to get a home warranty, but keep in mind the price tag on peace of mind.

Leslie Kaz, coach for single women

I help single women get from where they are to where they want to be by overcoming their sadness and starting to live their best lives through mindset and lifestyle changes. Contact me to learn how it’s possible to live a single, blissful life.

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