Is a home protection plan worth the money? In almost every conceivable case, the answer is yes. Home protection plans allow you to gain coverage on some of the most expensive parts of your home. Good plans from good companies will give you the option to choose which home systems can be covered, allowing you to choose which major home systems you want covered, along with the many appliances and smaller home systems that come with the plan.
How can you decide which systems should be covered? Ask yourself these very important questions.
Which System Will Cause You the Greatest Headache if They Fail?
If you live in a particularly cold area with harsh winters, it may be best to have coverage on your heating system. If you live in a warm, dry area, then your air conditioning unit is one of the most important parts of your home. Maybe you have a whirlpool bathtub and your favorite thing to do after a long day’s work is soak in some warm water. Whatever is important to you is important enough to be covered under your home protection plan. Sit down with your housemates, family, spouse, etc., and decide what you absolutely can’t live without. Whatever you cover under your home protection plan is able to get scheduled repairs quickly, and you won’t pay out of pocket for the cost of the repairs.
Consider What Will “Break the Bank”
Some repairs on household systems can cost thousands of dollars, which is something many people cannot give up easily at a moment’s notice. When you consider what to cover under your home protection plan, take into account the average costs of repairing the system and whether or not it will significantly impact your savings should the system need to be repaired or fully replaced. The best way to get the most out of your warranty is to cover what you simply cannot afford to repair.
Consider the Age of the Home Systems
Older systems tend to have issues more often, so take into account the age of your major home systems when choosing which ones to cover. Did you just have your furnace replaced? Maybe it’s better to spread the coverage out on your other major home systems. Plus, you may still be under warranty from your original purchase.
What Else Needs to Be Covered?
When you choose a home protection plan from Everything Breaks, you get to choose between four major home systems:
- Central A/C
- Central heating
- Ducts
- Hot water heater
- Electrical system
- Plumbing
- Whirlpool bathtub
You also get coverage for 17 smaller household appliances and components. See the full list here. Need coverage on something else? Consider our Total Home Protection Plan, which covers nearly everything you own! You can protect 21 home appliances and systems on top of all your electronics and personal devices. It’s total protection at one affordable cost.
