National Home Warranty Day is the perfect time to raise awareness about home warranty protection plans and ensuring your clients have the coverage they need should a major system or appliance break down.
Here's what you should know to make sure your clients have the right protection:
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- Know the difference between homeowners insurance and a home warranty. Homeowners insurance generally covers damage due to things like theft, fire, tornadoes or other catastrophic situations. A home warranty is a service contract that helps protect homeowners against the costs of unexpected covered breakdowns or repairs. Visit onlinehsa.com for additional information and benefits.
- Know your options. Not all plans and providers are the same. Be sure you choose a plan that best meets your clients' needs. For instance, HSA offers a comprehensive base plan with optional coverage and an upgrade package allowing your clients to choose coverage that works for them. It's also important to select a home warranty provider that is financially solid, with a proven track record, and who is available 24/7.
- Know what to ask. The best time for your clients to understand their coverage is before they need to use it. Homeowners should review their contract thoroughly to fully understand what the home warranty covers, what it doesn't cover, any limitations & exclusions, as well as the amount of their trade call fee. Some companies, like HSA, provide warranty brochures that include a sample contract and pricing online so your clients can check out the details before they buy.