Recommendations to Home Protection Plan Companies
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A Home Protection Plan offers great peace of mind, whether selling, buying, or maintaining your home. If something breaks or malfunctions a Home Protection Plan can help ease the stress of repair, as well as the burden of more high ticket repairs.
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WHO PAYS FOR THE HOME PROTECTION PLAN
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If you're the Seller you may opt to purchase the home protection plan prior to listing your home. I can't tell you how many times an AC goes out, a fridge gives its last puff of cold air, or a light fixture stops working during the listing/selling period (to name a few). If you have the home protection plan you can request AC service, request Appliance repair, and request for an Electrician to come out. Rather than spending a few hundred or more on each item, you're only going to pay the cost for the service charge. Each item will require a different specialist, so depending on your plan it could cost you $225-$300 with the plan vs several hundred or even thousand without a Home Protection Plan.
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If you're the Buyer I always recommend asking for the Seller to provide you with the Home Protection Plan. It not only shows good faith on the seller's end, it also gives you the peace of mind you're seeking with a new home. The last thing you want to worry about is something breaking while you're in the middle of moving. Even if the Seller does not agree to purchase a Home Protection Plan I still recommend purchasing one. What's great is you can renew the plan every year so you never lose coverage!
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WHAT DOES THE HOME PROTECTION PLAN COVER
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Every plan and company has slight variation in their coverage, however, they usually cover most of the same items. This usually includes Appliances, Electrical, Plumbing, Systems (HVAC), and Pool/Spa equipment. It can also cover Termite/Wood Destroying Insect treatment. Check with your policy for specific details.
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WHAT DOESN'T THE HOME PROTECTION PLAN COVER
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Many times a Home Protection Plan will require you to cover the cost of upgrades to meet code, permits, and items that are considered pre-existing. Again, you will want to check with your policy for specific details.
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Home Protection Plan Companies
