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Home warranty Claims Limits

A home warranty is a form of insurance taken out by homeowners to cover the small yet important systems and appliances in the house, such as HVAC, plumbing. Just as with home insurance, there are plenty of different home warranty companies to choose from, all offering different rates, coverage, and claims limits. A home warranty referral service can help save both time and money by doing all the legwork and providing you with comprehensive quotes that let you choose for yourself what works best for your home and family.

Claims Limits

When you need to have repair work done on one of your covered home systems, you place a claim with your home warranty company. Surprisingly, most companies will put a cap on both the number of claims you can make and the amount that you can receive per claim. This doesn't seem right, considering the fact that a home warranty company is supposed to provide coverage. When you pay for a policy, you expect to be fully covered in the event that anything goes wrong, and you definitely shouldn't have to scrape around for extra cash when your company puts a low limit on your claim.

The Disadvantage of Claim Limits

It might surprise you to learn that most of the largest home warranty companies out there max out at $1200-1500 per claim. The average cost of a full replacement of a new heating system is close to $4000 now. Imagine what it would be like if your heating system broke down in the middle of winter. You place a call to your home warranty company, but they will only give you $1400 to take care of it. That leaves you scrounging in the dead of winter to come up with an extra $2600 just for a basic necessity like heat. At Central Mass Home Warranty, we don't think it should be like that.

The Central Mass Home Warranty Advantage

Our warranty providers have agreed to raise their claim limit to $5000 per claim with absolutely no cap on the number of claims you can file for, unlike many other companies. For another thing, other home warranty companies will only offer a cash settlement 90% of the time. This puts the burden of replacing any of your systems directly on your shoulders. Whether it's the AC system, the home furnace, the boiler, or the electrical wiring, there is a lot of work involved in repairing and replacing them. Central Mass shoulders this burden so that you can get on with your life. With a $5000 claim limit and full coverage, it's hard to go wrong. The best thing you can do in any situation is to receive several different home warranty quotes and make up your own mind. You are an intelligent person, and you're not going to just believe something; you need to see it for yourself. Central Mass Home Warranty lets you compare quotes by putting you in direct contact with a qualified advisor so that you can find the plan that fits your budget and lifestyle *.
 

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* Not all home warranty coverage is identical and varies depending on the service provider and terms of their contract. Please request a sample contract to review individual coverage limits, service fees, and exclusions. In the event that Central Mass Home Warranty does not service or cover your geographical area, you may be contacted by a trusted home warranty partner that does. By submitting your quote request, you agree to these terms.

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