Help Protect What's Not Covered under Homeowners Insurance
Help Protect What\'s Not Covered under Homeowners Insurance
Understanding a Home Warranty
A home is a major investment, and most of us know the importance of protecting that investment. We know we need Homeowners Insurance, but what we may not know is that many things aren't protected by a Homeowners policy.
Although Homeowners Insurance may cover issues such as damage from a fire or windstorm, they won't cover issues with HVAC systems, plumbing, appliances and more. For example, experts say the cost of replacing a home's HVAC system averages between $4,820 and $9,350. A home warranty offers the peace of mind that comes with knowing you're protected from the financial impact of such a problem.
Choosing a Home Warranty Policy
A Home Warranty is a service contract that will cover the cost of repair or replacement if covered items need to be fixed or repaired. As with Homeowners Insurance, there may be a deductible involved, and the cost of a Home Warranty may vary depending on several factors, such as the converges you choose and where you live.
Homeowners can typically purchase one of three types of Home Warranty: a plan that covers a specific appliance, one for all your appliances, or one that covers your appliances, plumbing and electrical systems.
It's important to realize that some issues may not be covered under a Home Warranty. Damage to a hot water heater caused by a power surge or damage to an appliance that was improperly installed likely wouldn't be covered by a Home Warranty.
What We Do
The Insurance Pros at Cell Brokerage Agency specialize in providing affordable and customized insurance options and superior service to our clients. We partner with a variety of insurance providers, so you are presented with options that fit your needs (and budget).
Our Insurance Pros work with you to:
- Understand the types of coverage you need
- Match you with a reputable insurance provider
- Identify how much and what type of coverage you want/need
- Bundle your plan with other types of coverage to maximize your savings
At Cell Brokerage, our clients are people, not policies.
We’d love to exceed your expectations.
Contact us today! Our agents are ready to help.