合理的家庭保修
作为消费者, 当你购买一件昂贵的物品时, 比如汽车或冰箱, you expect to receive a warranty that the manufacturer will repair or replace that product if it breaks down.
A warranty makes sense for big-ticket purchases, but what about for a home?
家庭担保概述
A home warranty typically covers the repairs on specific items in a home, such as heating and air conditioning systems, 管道, 内置电器.1
A home warranty on a newly built home may be offered by the homebuilder and may cover up to 10 years on structural defects; one year on items like walls and paint; and two years for HVAC, 管道, 电气系统. Appliances may only be covered for six months. Typically, the cost of this policy is contained in the price of the home.
A home warranty on an existing home can also be purchased, usually paid for by the seller or real estate agent to facilitate the sale of a house. These policies tend to have coverage lasting no longer than one year.
偶尔, a home buyer may choose to purchase a policy, 例如, 在购买止赎房的情况下.
是现实的
You should understand the limits to which a home warranty can protect you. A home warranty promises you that certain items will remain functional; it does not promise you a new appliance or furnace.
Though it may be comforting to know repairs are covered, a warranty may restrict the contractors you can use to do the repair work.
A home warranty may be most beneficial to someone who will be purchasing an older home.
如果你选择买一个家庭保修, make sure you work with a reputable company that has a long-standing record in your local area. And as always, be sure to comparison shop.
1. Several factors will affect the cost of a home warranty policy, 包括尺寸, 位置, 以及家里的东西. Any guarantees associated with a home warranty policy are dependent on the ability of the issuing company to continue making claim payments.
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