4 reasons to purchase a Boston condo home warranty
If you own one or more penthouses, lofts, or condos in Beacon Hill or any other neighborhood in Boston real estate experts recommend at least looking into the benefits of having a home warranty. These types of policies can be a great fail safe for certain issues that occur at your home but are not covered by your homeowners insurance policy. Here are 4 reasons to consider getting a home warranty.
1. The Coverage
Home warranty coverage is flexible. Most home warranty providers come with bundled coverage and add-on options to cover specific situations, which may include appliance breakdown, electrical repair, and plumbing issues. Simply select the coverage that’s right for you. Some companies provide only add-ons so customers can create a unique bundle package. Regardless, expect a policy filled with coverage that suits your needs.
2. Good Customer Service
To address your concerns and resolve them in a timely manner takes skill, and a home warranty provider’s customer service department is prepared for all situations at all hours of the day. Resolve disputes in a timely manner using various contact resources (phone, email, live chat, etc.). Read FAQs and online forums. Information for all concerns is at your disposal.
3. The Wide Network of Contractors
Stop searching the internet and trust your home warranty provider with their network of professionals. Home warranty providers make sure licensed and experienced contractors, plumbers, electricians, HVAC specialists, and miscellaneous specialists can all be found in your coverage area. Whether these professionals are in-house or third-party, they come to your home, resolve the issue on-site, and leave in a timely manner.
4. Peace of Mind
Whether it’s through work, finances, family, school, hospital, the car, retirement, or some other issue, life is always throwing curve balls. Homeowners can’t juggle too many problems at once, so it can be stressful to hear about appliance failure and plumbing issues on top of life’s daily concerns. With one call, you can cross the problem off your list and focus on what matters.
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f you own an older home or your home’s appliances are no longer covered under a manufacturer’s warranty, there is a good chance you should look into purchasing a home warranty (also known as a home service contract) to get extra protection for your home’s systems and appliances. This guide will cover all of the basics of these contracts including coverage, costs, how they work, and reviews of the best home warranty companies.
Whether you are a homeowner, home buyer, landlord, or home seller, this guide will give you the tools to find the right coverage for your situation. If you’re already familiar with home warranties and just want to compare the best companies, below is a summary of our top overall recommendations:
Top Home Warranty Companies
|American Home Shield||First American||2-10 Home Buyers Warranty|
|Best For||Best Overall||Appliances||Builders|
|Learn More||Read Review||Read Review||Read Review|
Understanding Home Warranties
There are a lot of companies out there offering home warranties or home service contracts. Before committing to an annual contract with a company, it’s important to know exactly what is covered under the policy, how much it costs, and what level of coverage is right for you.
What Is a Home Warranty?
A home warranty is an annual contract that provides coverage for home systems and appliances, footing the bill for repairs and replacements due to normal wear-and-tear. Home warranties can cover household appliances like dishwashers and refrigerators, as well as home systems like HVAC, electrical, and plumbing.
Home warranties are not required for homeowners. However, they are an excellent choice for homeowners with older homes or appliances that are a few years old and no longer covered under a manufacturer’s warranty. It’s also helpful for homeowners who would not have the savings to cover an unexpected repair or replacement for a big-ticket appliance, such as a refrigerator. Many home warranty companies offer a variety of plans or add-ons to customize coverage to fit your needs.
How Do Home Warranties Work?
Home warranties follow a structure similar to insurance policies. The homeowner typically signs up for an annual contract and pays a monthly fee. In exchange for the fee, the home warranty company agrees to cover the cost of repairs and replacements for appliances and home systems as outlined in the contract.
When an appliance or home system fails, the homeowner files a claim with the home warranty company. The company confirms that the appliance or system is covered under the contract and assigns a service technician to diagnose and fix the problem. The homeowner will be responsible for an additional service fee for the visit (similar to an insurance deductible or a hospital copayment), and the rest of the costs of repair will be covered by the warranty, up to the specified limit listed in the contract. For items that cannot be fixed, the warranty company will either replace it or provide a lump-sum payment for the homeowner to replace it. Home service contracts are available only for appliances, only for systems, or for a combination of both (combo/hybrid plans).
Pros and Cons of Home Service Contracts
A home warranty is designed to provide homeowners with financial protection against unexpected repair bills for home appliances and systems. It is especially useful during the home selling/buying process, since there’s an asymmetry of information between buyers and sellers about the state of the home’s appliances and systems. Home sellers can offer a home service contract to encourage trust and increase the property’s value while buyers can rest assured that the contract would cover expenses associated with normal use. The ability to transfer ownership of a home warranty, such as from a seller to a buyer, is another major benefit.
Other benefits that most home warranty companies offer include 24/7 service and a quick process for filing claims for repairs. For people who aren’t handy and want their appliances and systems dealt with quickly, having someone else find a trained technician is a major plus.
Finally, since each home is unique, some companies offer customizable plans so that homeowners only pay for the coverage they need. For example, if a homeowner doesn’t have a dishwasher, they may be able to remove that coverage from the policy. And if they have a pool, they can include that as an add-on.
A major disadvantage of home warranties is that they don’t cover appliances or systems that haven’t been maintained. For example, if a home buyer purchases a home with older appliances that were not properly maintained by the previous owner, the contract may not cover repairs to these items. Some policies also have long lists of exclusions, and some repairs to your appliances or systems (including cosmetic defects) may not be covered.
Another drawback is that home service contracts also have benefit limits, which means they will only cover repairs and replacements for appliances and systems up to a certain amount (usually ranging between $500 and $3,500 depending on the company and the appliance or system in question). Any repairs or replacement costs that go above the limit amount are the responsibility of the homeowner. Some policies also enforce a total benefit limit for the contract term, such as $25,000 for all repairs and replacements. Before committing to a contract, it’s important to understand the benefit limits per item and ensure it would fit your needs.
In addition, most home warranty companies require that you use one of their in-network contractors to perform a service, or receive prior approval to work with a technician outside of their network. This could mean that if you are unhappy with the work that was performed by the in-network contractor, you won’t have the option to choose another one unless you want to pay out-of-pocket. In the event that your appliance or home system needs to be replaced, you also may not get to decide on the brand or model of the replacement.
Finally, homeowners may purchase a warranty contract and never need to use it (or won’t use it for many years). For homeowners who already have some savings that could be used in the event of an emergency, it might be more helpful for homeowners to put the money they would have spent on premiums into a specific fund for home improvement—and ultimately have a lot more say in the process of repairs and replacements, when necessary.
Types of Home Warranties
Home warranties are most often purchased by homeowners. However, different types of home service contracts are also available for home buyers, home sellers, and landlords. Furthermore, these contracts can be purchased for a single-family home, multi-family units, condos, and mobile homes. Here are a few of the different types of contracts available, as well as what they offer.
1. Homeowners Warranty
Most customers in the market for a home service contract will need a homeowners warranty. This is the best option for individuals who currently own or have mortgaged a home that they plan to stay in long-term. The homeowner is responsible for bearing the monthly fees, in exchange for coverage for repairs to appliances, home systems, or both. A homeowners warranty can be purchased at any time.
2. Home Buyers Warranty
A home buyers warranty is the way to go for individuals who are purchasing a home. Home buyers may not be fully aware of the state of all household appliances and systems in their new home, and they don’t want to be responsible for a nasty repair bill shortly after moving in. A home buyers warranty will cover the same types of repairs as a homeowners warranty. However, a home buyers warranty may be purchased by the buyer, the seller, or the realtor during the closing process. It goes into effect on the date of the closing.
3. Seller’s Home Warranty
For home sellers preparing to transfer ownership of a property, a seller’s home warranty offers peace of mind to the seller that unexpected repairs for appliances and systems won’t create additional costs prior to closing. A seller’s warranty can also be a selling point for prospective buyers, since they’ll know that any last-minute repairs would be covered. The warranty can also be transferred to the new buyer after closing.
4. Rental Property Home Warranty
Certain landlords would benefit from investing in a rental property home warranty in order to cover repairs associated with the rental. As with a homeowners warranty, a rental property home warranty could save thousands of dollars in unexpected repair costs, especially with older properties. Because tenants are not usually responsible for repairs to appliances and systems, renters don’t purchase these policies. Instead, renters might consider renters insurance, which covers personal property from damage and theft.
5. New Construction Home Warranty
A new construction home warranty includes coverage that not only handles wear and tear on systems, but also offers protection to ensure the quality of the construction itself. Even systems in newly-built properties might experience breakdowns. While most home service contracts last for one year and are renewable, new construction contracts are available for up to 10 or 20 years.
6. Condo Home Warranty
Since condos often share certain home systems, condo owners would need to purchase a condo home warranty rather than a typical homeowners warranty. Condo contracts cover appliances and systems that are specific to the covered condo unit, but may not cover systems (such as HVAC) that are shared across units. That’s why it’s important to read the fine print or choose a company that specializes in condo coverage.
7. Mobile Home Warranty
A mobile home warranty, sometimes called a manufactured home warranty, protects a mobile home’s systems and appliances due to damages from normal wear and tear. It operates the same way as a homeowners warranty, but may cover additional systems that are unique to mobile homes.
What Does a Home Warranty Cover?
A typical home service contract covers expenses for repairs to different systems and appliances within a home that occur due to usual wear-and-tear. Some systems and appliances are covered under most standard contracts, while others require add-ons.
Repairs for most kitchen and laundry appliances are covered under a home appliances warranty or a combo appliances/systems plan. The specifics of which damages are covered for each appliance varies by company, but most mechanical and electrical repairs would be included. In general, cosmetic changes such as dents and scratches are not covered. Furthermore, a few appliances require special coverage, or certain aspects of an item are uniquely not covered. These are some of the most common coverable appliances:
- Refrigerators: Refrigerators tend to last between 10 and 15 years. A few of the ways that a refrigerator could break down from wear and tear include a mechanically locked compressor or a broken fan motor. Note that not all companies will include refrigerators in their basic-level appliance plans so coverage may need to be purchased through a higher-tier option or as an add-on.
- Dishwashers: Dishwashers typically last around 10 years. Some of the failures that could be covered under a home warranty include the dishwasher’s pump, thermostat, thermal fuse, washer and spray arms, drain valve, motor assembly, door switch interlock, timer, and related electrical parts.
- Clothes Washers and Dryers: Laundry appliances, such as washers and dryers, are likely to last between eight and 10 years. A few of the repairs that are typically covered under warranty contracts include water level switches, water inlet valve, temperature switches, and motors.
- Ranges, Ovens, Cooktops, and Stoves: Ovens and cooktops usually last between 13 and 15 years. A home warranty will usually cover damages to features including the gas valve, burners, regulator, thermostat, igniter, fuse, heating elements, and internal wiring. It may not cover clocks, rotisseries, racks, handles, or knobs.
- Built-in Microwaves: A microwave can last up to 10 years, but could break down faster with more frequent usage. Most repairs to a microwave are included in standard contracts, though some exclusions may include doors, handles, clocks, or trays.
- Free-standing Ice Makers: Ice makers typically last between three and 10 years. Some components that may not be covered under a home service contract include filters, removable components that do not affect functionality, insulation, and refrigerant recapture.
- Trash Compactors: The lifespan of a trash compactor tends to be between seven and 11 years. A warranty with trash compactor coverage would pay for most repairs and expenses related to the functionality of the compactor, minus cosmetic defects.
- Garage Door Openers: Garage door openers typically last between 10 and 15 years. Most parts of a garage door opener are eligible for repair under standard contracts, though garage doors, hinges, and sensors may not be.
- Garbage Disposals: Garbage disposals are usually included in home warranty plans for appliances and systems. According to some service contracts, damages that may not be covered include those caused by bones, glass, or objects other than food.
- Stand-alone Freezers: Stand-alone freezers usually must be specifically added in order to be covered. While most electrical and mechanical issues would then be covered, individual components like shelves, knobs, door hinges, and door handles would typically not be.
2. Systems and Devices
In addition to the appliances used every day, home warranties are designed to cover the systems that power the home and make it comfortable. These broadly include HVAC, electrical systems, and plumbing. Here is a detailed list of some of the most common covered items under a system plan or combo appliance/systems plan.
- Air Conditioning Systems: Air conditioning systems are likely to last between 10 and 15 years. They might fail due to issues such as dirty coils, low refrigerant, or electrical problems. Air conditioning systems are almost always included in a systems plan or combo plan.
- Heating Systems: Most heating systems will last at least 10 years, and some could last far longer. Some issues that a heating system might encounter include a broken thermostat or broken blower motor. Heating systems are usually included in a systems plan or combo plan.
- Electrical Systems: Home warranties will typically cover electrical issues due to failures in wiring, switches and fuses, plugs, circuit breakers, and more. However, some of the components excluded are door bells, cables and wiring for computers/audio/video/intercom, smoke alarms, and damages due to power failures.
- Plumbing: Plumbing systems could fail due to leaks in the water, drain, waste or vent lines. They may also suffer from damage to toilet bowls, toilet tanks, and flushing mechanisms. While these issues are likely to be covered under most contracts, components such as fixtures (faucets and shower heads) as well as slab leaks and polybutylene pipes may not be.
- Water Heaters: Home warranties will often cover the cost of repairs to circulating pumps, thermostats, gas valves, and other components deemed essential to the function of a water heater. However, they may not cover holding or storage tanks, flues and vents, or solar water heaters.
- Instant Hot/Cold Water Dispensers: A contract with instant water dispenser coverage will cover most parts and components related to the device’s issues, but not all contracts offer this coverage. Some common issues with instant hot/cold water dispensers include the water not getting hot enough, the water getting too hot, or no water coming out at all.
- Central Vacuums: Central vacuums are subject to leaks, clogs, reduced suction, and broken motors or pipes. Home warranties will cover most parts and components for central vacuums, with the exception of removable hoses and accessories. They also usually won’t cover costs related to gaining and closing access to floors, walls, and ceilings when locating or repairing a malfunction.
- Smoke Detectors: Not all home service contracts cover smoke detectors, but those that do will perform repairs on either battery-operated or hard-wired units. A contract that includes smoke detectors will replace broken components and parts related to the functioning of the smoke detector.
- Doorbells: Doorbells are rarely included as part of a basic systems plan, but they can often be included as an optional add-on. Some of the issues a doorbell might have involve the button itself, the bell unit, the transformer, or the wiring in the circuit.
- Ceiling Fans: Systems plans will usually fix problems related to a ceiling fan’s motor, switches, controls, or bearings. The warranty may not cover damages related to the blades, or any lighting associated with the fan.
- Ductwork: A home warranty that covers home systems will provide coverage for ductwork from heating and/or cooling units to the connection point at a register or grill. Warranties will usually exclude improperly installed ductwork, or ductwork that has been exposed to outside elements.
- Sump Pumps: Sump pumps may be included as part of electrical coverage, or offered as an add-on, depending on the company. Sump pump coverage is designed to cover damages to permanently installed sump pumps for groundwater, when located within the foundation of a home or an attached garage.
3. Specialty Items
Furthermore, there are a few household systems and appliances that can be covered under a home warranty, but would need to be added on as an extra. These include:
- Pool and Spa Equipment: Home warranties can provide repairs for above-ground components of a pool related to the heating, pumping, and filtration systems. Cosmetic changes, lighting, cracks in a deck, and ornamental designs are not covered.
- Septic Systems: Policies with septic system coverage added on will cover repairs to the aerobic pump, sewage ejector, jet pump, and septic tank. However, coverage will exclude features such as leach lines, field lines, lateral lines, as well as clean outs and pumping.
- Well Pumps: Well pumps that are used as a source of water to the home can be included. Home warranties will generally cover components and parts for a well pump, with the exception of well casings, booster pumps, and pumps used for non-home purposes (such as irrigation or livestock).
- Second Appliances: Sometimes, homes have a second refrigerator, microwave, or other kitchen appliance. In order to have these secondary appliances covered, you would usually need to purchase an add-on, which would cover the same type of repairs as with the primary appliance.
- Roofs: Although rare, some companies will include roof leak coverage as an add-on. The coverage is often limited to repairs of a roof leak over the occupied living area, and may not cover gutters, patios, metal roofs, or shingles. Full or partial roof replacement is also not included in this coverage.
What Doesn’t a Home Warranty Cover?
In most cases, home service contracts do not cover appliances that have not been properly maintained, appliances that have failed before, and appliances that break due to an accident. A few companies will cover pre-existing conditions (broken parts, malfunctions, etc.) that were unknown, but this is rare. Most companies will not cover any pre-existing conditions, either known or unknown, and some require a home inspection in order to get coverage at all.
Home warranties also do not cover damages resulting from hazards such as weather, theft, vandalism, mold, or asbestos. Many of these items can be covered under homeowners insurance, which is a separate type of policy.
Furthermore, these contracts will not cover cosmetic defects, such as dents or scratches. You will also need to check your home warranty agreement to see if certain parts or components of an appliance are not covered. For example, some parts that are not essential to the functioning of a device—such as a shelf, a light, or a timer—may not be covered, either.
Home Warranties vs. Homeowners Insurance
Home warranties should not be confused with homeowners insurance. Homeowners insurance is designed to cover a home and personal belongings from damages caused by natural disasters, accidents, or theft, as outlined in an insurance policy. By contrast, a home warranty covers home appliances and systems that are damaged due to normal wear and tear, not external circumstances. Home insurance is usually mandatory in order to qualify for a mortgage, while a home service contract is optional and can be purchased at any time.
Home Warranty Cost
Home warranties can save you money if you end up with a costly repair to an appliance or home system. However, in exchange for coverage, the warranty company will charge a few different fees. When choosing a provider, it’s important to understand the fee structure, especially for monthly premiums and service fees.
How Much Does a Home Warranty Cost?
The total cost of a home warranty includes both monthly premiums and service fees. Monthly premiums usually run between $25–$60 per month, depending on the size of the residence and whether you choose to cover appliances, systems, or both. Furthermore, service call fees are typically $50–$125 per incident, depending on the company and the type of system or appliance that needs to be repaired.
The service fee will need to be paid once per incident that requires a technician to diagnose or fix a problem. So if the service fee is $75 and a technician visits twice in a year to run diagnostic tests (once to figure out a problem with the refrigerator and once to figure out a problem with the air conditioning unit), you would pay $150 in total for the service fees. If the issue is covered under your warranty and the repair/replacement costs do not exceed the policy’s benefit limit, you will not need to pay any additional fees (no matter how many days it takes the technician to fix the problem).
|Contract Type||Monthly Premium|
|Appliances and Systems (Basic)||$30–$60|
|Appliances and Systems (Premium)||$40–$75|
|Appliances and Systems, With Add-Ons||$100+|
Factors That Affect Cost
As with all warranties and types of insurance, home warranty plans vary from company to company. The total cost will usually depend on the number of appliances and systems covered under the warranty, as well as the size of the home. In general, larger homes (more than 5,000 square feet) have higher premiums, and smaller homes like condos and mobile homes may have lower premiums. Older homes (with older appliances) may also be subject to higher costs, although some companies do not factor a home’s age into their pricing structure. Add-on coverages, such as pool or hot tub coverage, will also incur an additional monthly premium.
Are Home Warranties Worth the Cost?
Home warranties can be worth the cost in some situations, but may not be worth it in others. Here are some factors to consider.
When a Contract May Be Worth It
For homeowners who do not have enough in savings to cover the cost of a repair to a critical appliance or system, such as the refrigerator or HVAC unit, a home service contract can provide financial peace of mind at a much lower price point. In addition, if you live in an older home or have older appliances that have outlasted their manufacturer’s warranty, these policies could save you from a large bill later.
For sellers, a warranty serves as a nice perk to give potential buyers the confidence that they won’t rack up massive bills for appliances and systems falling apart shortly after closing on the home. A home warranty is worth it if you are selling a home and having one increases the sale price by more than the cost of the policy.
Similarly, builders can offer buyers further protection and confidence with certain types of home warranties that cover several structural components of a newly built home.
Landlords may also benefit from a home service contract if they want financial protection for appliance and home system repairs at a fixed monthly cost. Landlords also might not care as much about the lack of flexibility in choosing specific replacement items, which can be a sticking point for homeowners.
When a Contract May Not Be Worth It
Home warranties may be less desirable for homeowners who have entirely new appliances, or appliances that are still covered under a manufacturer’s guarantee. If you aren’t the type of person that keeps detailed maintenance records, or if you purchased a home in which the appliances were not well-maintained, such contracts may not cover repairs and therefore might not be worth the cost.
Individuals who also have enough in savings to cover an unexpected repair cost may also be willing to take that risk in order to save money on the monthly premiums associated with the policy. In this case, the money that would be spent on monthly premiums could be better used in a savings account for emergency repairs, since it would also earn interest.
Finally, individuals who want the flexibility of selecting their own service technicians and replacement items could be better off without a home warranty. Before making a decision one way or the other, it helps to review your financial situation, take stock of the current state of your home’s systems and appliances, and research some of the best home warranty companies to see if any of their policies fit your needs.
How to Compare Home Warranty Companies
Coverage and Benefit Limits
The most important point in comparing companies is to understand the level of coverage for each plan. Most companies will offer a plan just for systems, one for appliances, and one that covers both (often known as a combo or hybrid plan). Others may offer plans that cover both appliances and systems, but have different levels of coverage for a variety of prices. It’s important to have a detailed breakdown of covered systems, covered appliances, and specialty coverage (if applicable) to make sure the company suits your needs. Some companies also give you the option to build your own plan or purchase optional add-ons, based on the appliances and systems for which you need coverage.
In addition to what is covered, home warranty companies should also explicitly list their exclusions, whether they be specific types of systems and appliances, certain parts, or certain events (e.g. accidents, improper maintenance, etc.). Most companies exclude roof leaks by default, so if you live in an area with a lot of rain, research companies that offer roof leak coverage as an add-on.
Since repairs for appliances and systems can run a hefty bill, it’s also worth looking at the benefit limit. For example, if a home service contract offers up to $1,500 to replace a refrigerator but it would cost much more than that, another company with higher benefit limits might be a better choice. You would also need to know if the benefit limit is for each item/incident or for the entire plan year.
Finally, the company must offer coverage within your state. Not all home warranty companies operate in all states, so you’ll want to choose one with offices and contractor networks located close to you.
If a home warranty company offers your desired level of coverage, then it’s time to research their reputation among customers and the industry. For example, reputable companies will likely have a membership with the National Home Service Contract Association (NHSCA).
Some companies also take a lot of pride in having a long history in the industry. Some will list on their website the number of customers they’ve served, the number of employees they have, and the year they were founded. While smaller and newer companies can still offer stellar service, larger and more established companies may have a broader network of service technicians and also more resources to respond to customer inquiries.
Ultimately, customer satisfaction is what matters the most when it comes to company reputation. A good place to learn more about a home warranty company’s reputation among customers is the Better Business Bureau (BBB). The BBB website offers opportunities for customers to share their complaints, which the companies have the opportunity to respond to, as well. Some home warranty companies will also have a rating on Angie’s List, based on customer reviews. Angie’s List is particularly helpful for finding reviews specific to companies offering home service contracts within your zip code. When combined, the BBB and Angie’s list offer a snapshot of the general sentiment around the company.
Some companies will also list awards and recognitions on their website. At face value, these might seem like good testimonials about their product. However, it helps to dig deeper into these awards to see how many contenders there were and how they were selected.
Service and Claims
If you have an appliance or system that breaks down, you’ll want to know how quickly the company can assist you. When researching home warranty companies, ask about the waiting period, which is the period of time after signing the contract that you would need to wait before placing a service request. Most companies require a 30-day waiting period and will not cover items that break during that time.
Other questions to ask about service and claims include if the company offers 24/7 service requests. For example, if there’s a plumbing issue at 3:00 A.M., can you submit a claim right away and get the help you need? In addition, it helps to understand how many service technicians are available under your contract. Inquire as to whether the company only works with in-network technicians and how many there are in the network.
You will also need to understand the terms of service as outlined in your contract. Specifically, look for a recall period, or service guarantee period, to ensure that you will be satisfied with the service or have the option for a second opinion or another service visit.
There are several costs associated with a home warranty, including the monthly premiums and service fees. When comparing companies, look at the range of service fees that you would have to pay for each visit, in addition to how much you would have to pay per month in monthly premiums. If you live in an older home and expect that more of your appliances may need repair, it may be worth it to go with a slightly higher monthly premium and lower service fees. If the appliances and systems in your home appear to be in good condition and you just want peace of mind, you may opt for a company that charges lower premiums but higher service fees.
As part of getting a home service contract, you will be required to sign an agreement. Some important factors to consider are contract length and cancellation policy. Most home warranties last for one year, with option for renewal, although some types can last longer. Some companies will allow you to terminate your contract at any time, while others have restrictions for cancellation, including cancellation fees. You may also wish to check if a home inspection is required as part of the contract.
Finally, transparency is always important when it comes to signing up for a new contract. Companies that offer an online quote or application up front are trying to make it easier for customers to determine the cost of a warranty that fits their needs. In addition, the best home warranty companies will have a sample contract easily accessible on their website so that customers can understand the terms and conditions right away.
Best Home Warranty Companies
American Home Shield (Best Overall)
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