SearchExclusive.com

Knowing The Difference Between Home Warranty And Appliance Warranty

Buying a new home means buying a lot of new appliances too. When people buy new appliances, they ignore the costs of repairs completely. However, even newly-bought appliances and home systems may fail to meet expectations. They could malfunction at the most inconvenient times, or they could break down completely making the purchase a waste of money. Moreover, whether you are living in an old house or a new one, faulty appliances and systems can cause serious inconvenience. Additionally, they cost a substantial amount of money to repair or replace. Hence, you need to have protection for the house as well as the appliances.

This need for protection from high repair costs leads to the need for having a warranty. When it comes to warranty, two major options can do the job. These two options are home warranty and appliance warranty. There is a major debate about which one is the better option between home warranty vs. appliance warranty. Here is everything you need to know to make a good decision:

What is a home warranty?

In a comparison between home warranty vs. appliance warranty, a home warranty is simply an annual service contract that secures home systems and appliances. For example, if you have a water leak in your dishwasher, it needs to be fixed as soon as possible. Paying for the repairs or the replacement out of your pocket is usually a huge expense. On the other hand, if you have bought a home warranty that provides coverage for damages to the dishwasher, the policy will pay for the repair or replacement. Typically, the home systems that home warranties cover include plumbing, heating, and air conditioning. Appliances that they cover can include the washer, dryer, oven, or dishwasher.

What is an appliance warranty?

An appliance warranty is very similar to a manufacturer’s warranty. However, a major point of difference is that an appliance warranty is not purchased from the manufacturer but a different company. Appliance warranties typically provide coverage for repairs and replacements after the manufacturer’s warranty has expired. These warranties either cover the repairs partially or completely if an appliance breaks down. Moreover, they can save you a lot of time that you would otherwise spend searching for a decent mechanic. The price of an appliance warranty is usually around 15% of the total purchase price of the appliance. Appliance warranties are also known as appliance repair plans, service contracts, home maintenance plans, appliance protection plans, home maintenance plans or appliance repair plans.

You can either buy an appliance warranty at the time of buying an appliance or you can wait for a year. Appliance warranties generally involve small costs such as deductibles.

What do they cover?

Home warranty

Even after gaining thorough knowledge about both products, the question remains on deciding the better between home warranty vs. appliance warranty. A home warranty usually provides coverage to most major systems in the house. These systems are the standard items that have to be present in any newly-built home. Hence, when buying a home you should check for the presence and condition of all these systems. Here are the systems that home warranty covers:

Electrical
Ceiling fans
Air conditioning (including ductwork)
Doorbell
Central vacuum
Toilets
Plumbing
Water heater
Garbage disposal
Heating (including ductwork)
Smoke detectors
Range/oven/cooktop/hood

Appliance warranty

An appliance warranty is offered by the same companies that provide home warranties. These companies include The Home Service Club®, Total Home Protection, and Amazon Home Warranty among many others. These appliance warranties usually cover the additional appliances in your house. These are the items that most people buy after settling into the house. Some home warranties cover these extra appliances if they were purchased with the house. Otherwise, appliance warranties are responsible for covering these items:

Dishwasher
Refrigerator
Microwave
Clothes washer
Clothes dryer
Trash compactor
Garage door openers

Reasons to get a home warranty or appliance warranty

While discussing home warranty vs. appliance warranty, it is hard to disagree that both are beneficial products worth paying for . This is especially true if you live on a tight budget and lack enough disposable cash. In such a case, any sudden repair or replacement costs on appliances can spring up like a bad surprise. No matter how well you maintain your house and your appliances, they do not last forever. Sooner or later, they will need repairs or replacement. Moreover, the costs to repair or replace these appliances could rise by an average of 10% to 20% annually. Either type of warranty will save hundreds of dollars that you may otherwise spend on typical and possibly trivial repair jobs.

Reasons to not get a home warranty or an appliance warranty

Warranty companies create contracts to protect both you and them. The best way that they can go about that is by modifying the contract itself. They include some clauses along with some exclusions that might benefit them more than you. These clauses and exclusions are essentially conditions that they might cover in case of a system or appliance malfunction. Another thing to consider is that the benefit of home or appliance warranties can only be experienced if the appliance malfunctions or breaks down during the warranty period. This warranty period is usually two to three years of ownership of the appliance. If the warranty period passes without any problem with the appliance, the price of the warranty is nothing but a waste of money.

Additionally, the average repair costs of these appliances are not higher than the price of the warranty by a large margin. Hence, the better option would be to use a savings account to store the money that you would otherwise spend on warranty premiums. The next thing to do would be to let the money sit in the account and only withdraw in case of an appliance malfunction.

Related Reading

Tips for Buying the Best Dog Food

Most of the dogs do not have a food fuss and may eat almost anything that you feed them. Dogs are not choosy at all when it comes to food and nutrition. Hence, it is important to make sure that the food that you are purchasing for your dog is healthy. The landscape of dog food has been developing by leaps and bounds in recent times. There is a wide variety of options to choose from in the online and offline market. Given the wide range of options that are available today, buying the best dog food might seem to be a confusing task indeed. All the commercial pet food that is available in the market today is regulated by the FDA. Therefore, most of the products do contain nutritious, healthy, and safe ingredients. But it does help to know certain basic factors you should look for while buying food for your dog. Prioritize on the nutritional guarantee The best dog food, which meets the dog’s needs adequately has a statement written on the label of the product, from the Association of American Feed Control Officials. Buy from some of the best dog food brands, such as Fromm Family Foods, Earthborn Holistic, Nature’s Variety Instinct, and The Honest Kitchen.

Different Types of Kitchen Cabinets Available for Your Home

The most important aspect when designing your kitchen is deciding on the type of cabinets. In addition to functionality, kitchen cabinets score on aesthetics as well. Once the layout is planned, you can go ahead with choosing the cabinets. If you’re remodeling your home or just the kitchen, what you need to consider are the types of cabinets that furnish your kitchen. Here are a few types of kitchen cabinets that you can choose from. Base cabinets These kitchen cabinets are mounted on the floor and they are placed after checking out the floor plan. A major part of your job in the kitchen is on these base cabinets, which hold and support the countertops. These base cabinets are combined to carve out kitchen islands. A number of base cabinets are fused/set against one another and installed on site. The base cabinets, in addition to supporting the countertops, serve as drawers to hold your cutlery and appliances. Wall cabinets Mounted on the walls, these cabinets can store everything, right from your cookware to cookbooks. In terms of design, they offer utmost flexibility. Wall cabinet kitchen is available in varying heights, multiple widths, and custom depth options. This customization helps you to fit in your stuff of varying shapes and sizes into the wall cabinets.

How to Pick the Right Dog Food for a Sensitive Stomach

In today’s world, where you are presented with over a dozen choices for every item you would purchase for your own kitchen, it is not surprising that you have an equal number of options for your dog’s food. However, choosing the perfect brand and formula for your dog out of a range of options in the market is not an easy job. Your pet depends on you and trusts you to make the right choice for them. Therefore, it is imperative that you do your research about the products available in the market, understand what your dog needs, know what might be your pet’s problems, and then make a sound decision. What is a sensitive stomach? Dogs are known to have voracious and large appetites. Keeping that in mind, it is normal to assume that they have strong stomachs. They can eat close to anything be it sweets, bakes, chewy gum, hard leather or even woolen socks for that matter! It always so happens that the strongest of them are prone to allergies and can develop a disorder which is medically translated as a sensitive stomach. This might be due to a sudden change in the food habits or even due an infection picked up from somewhere.

All You Need to Know about Cat Food

For cat owners, cat food is a hot topic. You need to think about it in different aspects. The best thing is to know which ingredients are good for cat food and which are harmful. If you are aware of this, you can get an idea about the quality of the cat food just by going through the label. It is always sensible to stick to one brand of cat food. However, you may also want to try and prepare cat food yourself. There are also various options for wet cat food as well. Cat’s love for fish is universal, so you can do without going for expensive cat food. Nevertheless, whether you buy it or prepare cat food at home, you need to ensure that the food contains enough nutrition and calories. You would need to have some idea about the ingredients that must be present in cat food and make a worthy selection for your cat. Basic ingredients present in good cat foods Cats need a variety of nutrients to stay healthy and active; they need various vitamins, minerals, fats, proteins, and oils. The following is a brief explanation of the basic ingredients that should be present in cat foods.