When
my wife and I originally made an offer on our house one of the things that we
made sure to include was a home warranty policy. While we didn’t expect to find
anything during the inspections and we don’t anticipate any major issues in the
near future you just never know what might happen. The last thing we wanted was
to invest such a large amount of money into a home and soon thereafter have to
increase our investment because the AC unit finally gave up or the well pump
decided to take some time off.
Actually,
the reasons are quite a bit more mundane than the major issues that one could
face in that first year. Usually it is something as simple as an appliance acting
up or a garage door opener that was older than you expected. These are the things
that fall beyond the purview of the regular homeowner’s insurance policy and,
just like insurance, you never know what might happen. The last thing that I
want to happen is that we don’t have something covered, particularly during this
first year, and then all of the sudden we have to spend thousands of dollars
that we were hoping to keep in the bank.
I’d
rather have it and not need it than need it and not have it… sounds like I’m
referring to something else doesn’t it. But the same line of thought applies. I
don’t want to be caught without it especially when it can impact the well-being
and comfort of my family.
This
is the just in case for those things that we can’t anticipate happening but, as
we have heard and read about, they happen all of the time. So, I guess this
could go back to my weekly checks that I referenced previously. Not only
checking for the major things that everyone does like the roof and boiler but
also the minor things like making sure the appliances sound the way that they
should and that the garage door isn’t straining to open.
It
really is a nominal cost or, as in our case, no cost option that brings a
tremendous piece of mind to this first year in our new house. If something breaks
we can take care of it right away and not worry about the financial impact that
the repair or replacement might have. Rather than thinking and incessantly
worrying, we can focus on enjoying our home and, more importantly, see the
enjoyment on our son’s face when he is exploring the play room, looking
outside, or watching the buggies as they sway down the road.
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