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There is typically no charge for replacing or repairing the broken item. Home insurance is usually required by your mortgage lender and protects the structure of your home against risks such as damage from severe weather and theft, secondary damages resulting from some system and appliance failures, as well as protecting you personally from liability in the event that someone is accidentally injured on your property. Each time you make a claim on your home insurance you pay a deductible cost, which is commonly $500 or $1,000. Home warranties protect many of the home systems and appliances that you rely on daily. When these systems and appliances inevitably fail over time due to normal wear and tear, a home warranty will pay to repair or replace them. You will pay a service fee each time you request service, which ranges from $50 $100. There are several plans and options to choose from to best suit your home’s specific requirements. Basic plans typically include coverage for: kitchen appliances, water heaters, plumbing, electrical, heating systems, and more. Optional coverage can range from pool/spa equipment, washer/dryer, kitchen refrigerator, air conditioning, well pump, and more. Coverage varies by region and whether the home is involved in a real estate transaction. You may view sample coverage for home buyers and sellers, or sample coverage for homeowners who are not involved in a real estate transaction.

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Most warranty companies have options that add other coverage to the basic plan. Also, consumers don't have fair and reasonable expectations. When he weather is 95 degrees outside, don't people think that EVERYONE is calling in?The contractors that home warranty companies use are RETAIL companies. They also have their own business to service. If you didn't have a warranty on those days, you wouldn't get any faster service by calling someone out of the yellow pages. I think most of the complaints that show up about warranties is because people just don't read their contract and don't understand it. The best advice is to know your local representative. They are the one's that can step in and help resolve issues. Try it. you will be surprised. I had an Old Republic warranty on my current home that was provided by the seller.