家庭HomeHome保修是您与提供商之间的服务合同,可涵盖选定的主要电器和家用系统(例如空调)的维修费用。HomeHome由于常规的磨损,家庭保修通常涵盖故障。
这个老房子评论团队研究了数十家家庭保修公司,包括各种因素,包括覆盖计划和定价,以帮助您找到适合您家的最佳家HomeHome庭保修。
2023年HomeHome最佳家庭保修公司
The home warranty companies with the best ratings include the following:
- 自由家庭警卫HomeHome: Best Customer Ratings((阅读更多bob体育app苹果下载)
- American Home Shield:最适合全面覆盖((阅读更多bob体育app苹果下载)
- Select Home Warranty: Best Value((阅读更多bob体育app苹果下载)
- America’s First Choice Home Club: Best for Customization((阅读更多bob体育app苹果下载)
- 第一美国Home Warranty:最佳设备覆盖((阅读更多bob体育app苹果下载)
- Cinch Home Services: Best Additional Perks((阅读更多bob体育app苹果下载)
- 2-10Home Buyers Warranty: Cheapest Appliance Plan((阅读更多bob体育app苹果下载)
- 家庭服务HomeHome俱乐部: Quickest Coverage((阅读更多bob体育app苹果下载)
- 家里HomeHome: Affordable Service Call Fees((阅读更多bob体育app苹果下载)
最佳家庭保修公司的摘要HomeHome
自由家庭警卫:最HomeHome佳客户收视率
自由家庭警卫HomeHome((LHG) earned100分中的87我们的评分系统中的要点。
美国家庭盾牌:最适HomeHome合全面覆盖
American Home Shield (AHS) has a high rating based on our home warranty review methodology with94 out of 100可用点。
选择家庭保修:HomeHome最佳价值
选择“家庭保修HomeHome”得分89 out of 100在我们的审查标准中,它从我们审查的家庭保修公司中提供了最佳价值。HomeHome
美国首选家庭俱乐部:最佳定制HomeHome
美国首选家庭俱乐部(AFC Home ClubHomeHome)由于其附加组件及其四个截然不同的计划的定制选择,因此进入了我们的列表。在我们的审查标准中,该公司的分数100分中的90。
第一美国Home Warranty: Best Appliance Coverage
第一美国Home Warranty earned93在100中points in our review standards.
Cinch Home Services: Best Additional Perks
Cinch Home Services (CHS) earned88 out of 100points in our review standards.
2-10Home Buyers Warranty: Cheapest Appliance Plan
2-10Home Buyers Warranty earned93 out of 100我们的评分系统中的可用点。
Get One Month Free through This Old House
家庭服务HomeHome俱乐部:最快的覆盖范围
家庭服务HomeHome俱乐部(HSC)是另一个可靠的提供商,可提供快速的索赔处理,独特的附加覆盖范围以及工作系统和设备的覆盖范围,无论年龄,品牌或型号如何。HSC得分78 out of 100points in our review standards.
Learn More:家庭服务HomeHome俱乐部Review
ARW HomeHomeHome:负担得起的服务电话费
ARW HomeHomeHome(以前称为美国住宅保修)得分100分中的74在我们的评级系统中。
Learn More:ARW家HomeHome庭评论
Our Conclusion
The best home warranty company for you depends on your unique coverage needs and budget. It’s important to choose a home warranty that fits your situation. We recommend自由家庭警卫HomeHomedue to its $2,000 coverage cap per covered item, extensive add-on selections, and quality customer reputation. If you own older appliances,第一美国Home Warranty是首选。American Home Shield是其慷慨覆盖,灵活的计划和可定制服务费的另一个主要建议。
在注册之前,我们建议您仔细阅读服务合同,以了解每个提供商的确切条款和排除。
How To Choose the Best Home Warranty
使用以下技巧为您的特定覆盖范围找到最佳的家庭保修:HomeHome
- 确定您的覆盖需求:在决定计划之前,请仔细考虑您是否需要家用电器或系统覆盖范围。HomeHome许多提供商提供系统和仅设备的计划或组合计划。
- 请求多个报价:在做出最终决定之前,请求至少三个提供商的引号比较成本和承保范围。蒂莫西·梅南(Timothy Meenan),,,,JD, who serves as executive director and general counsel for the Service Contract Industry Council (SCIC), recommends that homeowners shop around because there may be another provider with similar coverage at a lower price.
- 阅读样本合同:Comparing contract details for several home warranty providers helps you determine which home warranty is best based on coverage limits, exclusions, and claims process.
Learn More:How to Buy a Home Warranty
家庭保修HomeHome值得吗?
HomeHome如果您没有为您的经常使用的电器和家庭系统做好不可预测的维修和更换,则家庭保修可能是值得的。当我们在2021年调查1,000名房主时,我们HomeHome发现超过74%的受访者在家庭维修上花费了至少400美元,而这些房主中bob体育app苹果下载有27%花费了超过1,000美元的维修。HomeHome家庭保修有助于最大程度地减少这些费用,并让您安心。
According to House Method’s analysis of the每个州的房屋保修的平均成本HomeHome,,,,the annual price of a plan generally falls in the range of $600–$800 no matter where you live, making it likely that you will come out ahead with a home warranty if you need to repair or replace a major system or appliance.
However, a home warranty may not work for you if you have a significant financial nest egg set aside for home repairs or your systems have manufacturers’ or installation warranties. Home warranty contracts stipulate that any item currently covered by another warranty is not covered.
Learn More:家庭保修HomeHome值得吗?
How Do Home Warranties Work?
当家庭系统或主HomeHome要设备因正常磨损而破裂时,您可以致电您的家庭保修公司提出索赔或在线提交服务请求。您的公司将在指定的时间范围内响应您的服务请求,通常少于48小时。如果承包商不能在此时间范围内放置,则该公司可以允许您选择所选择的批准承包商。
此前该公司回应你的要求uest, it will forward your claim to an approved contractor who will schedule with you directly. At this initial visit, the technician will access, diagnose, and determine whether the malfunction is the result of a covered issue. Minor repairs will typically be completed during this initial visit if the claim is approved, while other repairs or replacements may require an additional visit to order the necessary parts.
It’s typical for home warranty companies to offer at least a 30-day workmanship guarantee after they’ve completed a covered repair. This guarantee means your contractor will assess the issue and provide service without an additional service charge if the item breaks down again after the initial repair.
Learn More:How Does A Home Warranty Work?
家庭保修费用是多少?HomeHome
Ahome warranty typically costs $465 to $760 per year, according to quotes we’ve requested from providers across the nation. It’s important to factor in service fees when determining the price of your home warranty. These charges are an added cost each time your home needs repairs and replacements. The range of service call fees typically falls between $65 to $125.
根据我们对57多家家庭保修公司的研究,只有12家家庭保修公bob体育app苹果下载司HomeHome允许您选择自己的服务电话费。较低的服务费可以使您的每月费用更加昂贵,如果您打算在家庭保修期内提出多个服务请求,这是一个重bob体育app苹果下载要的考虑因素。HomeHome但是,如果您选择较高的服务费,则您的每月费用可能会较低。请记住,当您选择高服务费时,您将为技术人员的访问付出更多。bob体育app苹果下载
Learn More:家庭保修费用是多少?HomeHome
What To Look For When Buying a Home Warranty
购买家庭保修期间HomeHome,,,,there are several things you should consider before signing up with a provider:
- 您所在地区的可用服务提供商:如果您的房屋位于HomeHome乡村,山区或离网地区,请与您的提供商确认您附近有一名服务技术人员,然后再注册。此外,如果您所在地区的提供商没有建立的网络,请确认您是否可以使用自己的技术人员。大多数家庭HomeHome保修提供商在全国范围内拥有庞大的服务提供商网络。但是,在某些地方,提供商将无法建立网络。
- Claims processing timeframe:发现你的供应商需要什么步骤的过程a claim. Confirm how soon they send a service technician to your home after processing your claim. In addition, ask how long emergency claims or claims outside normal business hours take to process. Claim timeframes can help differentiate providers to find the best one for your needs.
- Reputability:Check consumer review sites such as Trustpilot and Google Reviews to read how customers feel a provider resolves claims, customer inquiries, and issues. National trade organizations, such as theNational Home Service Contract Association和theService Contract Industry Council,,,,list member providers that are compliant with specified business practices. Checking these lists can confirm that a provider is reputable.
How To Read Home Warranty Service Contracts
below are some tips on reading and understanding your home warranty provider’s policy terms.
- 查找涵盖的内容:Look through the fine print to see if the provider includes all the home items you’d like protection for. Although most providers cover systems and appliances, confirm that your provider actually covers what you need.
- 了解排除:您的提供商将具有某些实例或组件,即使在覆盖物品上也不会覆盖。例如,尽管您的空调可能是覆盖物品,但过滤器可能不会。同样,您的提供商可能会排除既定条件的涵盖。
- 问问题:Call your provider and ask a representative to clarify sections you don’t understand in the service contract.
在与提供商注册之前,HomeHome阅读家庭保修服务合同很重要。您应该意识到提供商的特定覆盖范围排除和限制,这将减少拒绝的索赔和不受欢迎的惊喜。
家庭保修如何受到HomeHome监管?
每个州都会独立规范房屋保修和服务合同许可。HomeHome例如,在德克萨斯州,许可和法规部处理服务合同。在亚利桑那州,家庭保修受HomeHome保险部消费者保护部的监管。根据梅南(Meenan)的说法,一些州,例如宾夕法尼亚州,采取了更加动手的方法。bob体育app苹果下载相比之下,新提供者在佛罗里达州和加利福尼亚州等bob体育app苹果下载州获得许可可能更困难。
许多州都根据《服务合同模型法》和国家保险专员协会(NAIC)晋升为州立法机关的规则。自1988年以来,SCIC一直致力于在全国范围内促进行业监管。法规规定,您可以相信您的家庭保修提供商在财务上是合理的,并且可以遵循其诺言。HomeHome州法规还确保各种消费者保护,例如这些措施:
- Contracts that are clear and use easy-to-read print
- Extensive disclosures of what is covered and excluded
- The ability to cancel and receive a full refund within a certain time period (typically 30 to 45 days)
While you’re shopping for a home warranty policy, it’s a good idea to check with your state’s regulatory body to confirm the provider is licensed to operate in your state. You can also read through a sample contract. Many sample contracts have state-specific clauses that clarify the protections and exclusions you are subject to.
家庭保修涵盖什么HomeHome?
Ahome warranty plan covers the repair, service, or replacement of major home systems and appliances when they break down due to wear and tear. Many companies split coverage options into systems plans, appliance plans, and combination plans.
家庭保修计划涵盖的最常见的系统和设备包括以下内容:HomeHome
- Air conditioning
- built-in microwaves
- 干衣机
- Clothes washers
- Dishwashers
- Ductwork
- 电气
- 垃圾处理
- Heating system
- Ovens
- 管道
- Refrigerators
- 热水器
Learn More:What Does a Home Warranty Cover?
家庭保证通常不涵HomeHome盖什么?
HomeHome家庭保修通常不涵盖已修改错误或不当安装的内置系统和设备,或者由于忽视,滥用,意外损害或“上帝的行为”而遭受故障。仔细阅读服务合同非常重要,因为这些条款可能会有很大的不同。
As a general rule, home warranties do not cover structural elements. Home warranties also don’t cover any item that’s protected by a manufacturer’s warranty, such as a三星保修。
What Are Common Home Warranty Complaints?
在阅读成千上万的第三方客户评论时,我们了解到这些是一些常见的家庭保修投诉:HomeHome
- 缓慢或拒绝索赔支出
- 没有经验的技术人员
- 等待时间长时间替换电器或零件上的更换
- Unclear coverage limits
- 对投诉的缓慢回应
这些特征是poor service从家庭保修中,HomeHome对于市场上的每个提供商来说,肯定不是正确的。我们建议您在购买之前询问有关索赔,等待时间和覆盖范围限制的政策的问题,以确保您知道您的家庭保修公司的条款。HomeHome
关于家庭保修的常见问题HomeHome
How Do I Find the Best Home Warranty Company in My State?
在下面的每个州找到有关最佳家庭保修公司的深入评论。HomeHome