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Can You Switch Home Warranty Companies?

PUBLISHED: March 23, 2020 4 MINS READ

A home warranty plan is a service contract that covers your home’s systems and appliances when they get damaged or need replacement. Systems and appliances such as water heaters, ceiling fans, doorbells, washers, dryers, and trash compactors, are covered in-home warranty plans. But have you ever wondered, can you switch home warranty companies if you are not satisfied with their services?

If you are thinking about switching home warranty companies in-between the policy, you should be aware of some repercussions. Though companies do not charge you anything for canceling your policy, certain hidden expenses are incurred.

 A lot of home warranty companies have a fully earned policy fee. It is a simple fee charged for writing your policy and is non-refundable at the time of cancellation. Home warranty companies also have something called a brokerage fee that is paid initially and is entirely non- refundable when you cancel your plan. You must read the fine print of the service contract before purchasing the plan. A lot of essential aspects of canceling plans are written in it.

Can You Switch Home Warranty Companies

It is possible to switch home warranty companies. However, you should keep the following points in mind:

Best Home Warranty Companies To Consider

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A Few Crucial Pointers:

Check The Price Of The Plans In The New Company:

Compare what different companies have to offer, in terms of the annual premium, deductibles, and so on due to normal wear & tear. Once you have finalized choose the company that best suits your budget.

Look For Better Coverage Options:

One of the reasons you are switching companies is because you are not happy with the current coverage offered. There are a lot of companies out there offering comprehensive coverage. We recommend that you do thorough research of various home warranty plans before finalizing on one.  

Make It Economical For You: 

When canceling policies from home warranty companies, you will need to pay a certain fee, such as the fully earned policy, and the brokerage fee. Also, when you purchase the new plan, you have to pay up. Make sure to manage your expenses wisely when switching companies. 

Cancel Your Home Warranty Before Buying A New One:

First, cancel your current home warranty plan before going ahead and buying a new one. There could be some hidden expenses that you may not be aware of while canceling. Once you cancel your current plan, then go ahead and buy the new one. It will avoid confusion and ease up the entire process.

When you are about to switch to a new home warranty company, you should ask your self some fundamental questions: 

Some Important Questions To Consider 

How Long is a Home Warranty Good For?

Home warranty plans usually last for one year. Home warranties are excellent for as long as you are happy with them. You can extend your home warranty plan after a year if you are satisfied with the company’s services. If you are not pleased, don’t renew the policy.

How Does A Home Warranty Work?

A homeowner needs to sign a written agreement that usually lasts for a year. Once the deal is signed, your home’s systems and appliances are protected. If you are facing any issues with either of them, call up the company, request a technician to assist you with the problem, and pay the deductible. Once you have paid it, your system or appliance will be either repaired or replaced.

What are The Best Home Warranty Companies?

Some of the top home warranty companies currently present are American Home Shield, The Home Service Club, Select Home Warranty, Choice Home Warranty, and ServicePlus Home Warranty. However, there are several other companies out there; the companies mentioned above come in the top bracket.

Closing Thoughts

Ask yourself whether you need to switch home warranty companies. Though it is quite an easy process, it may cost you your time and money. If you are coming to an end of your home warranty contract, wait till it gets over and do not renew further. If you are still very keen on switching, consider the points above before going ahead.

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