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After all, why do you want to cover potential tenants if you don’t foresee subletting your house?That is just one example of modifications or extras that you may or may not need. Within your warranty's contract, you will find a set standard for costs. It will detail which costs you are responsible for. The amount that you have to pay is the deductible. The deductible is likely to vary depending on the appliance and will vary per repair. For example, you may need to replace your septic system. The contractor will tell you that it is 5,000 dollars. Your deductible is $500. So, you will pay the deductible and your home warranty will cover the rest. Depending on how your contract is set up, you may only have to pay this one for the year or you may have to pay it based on the amount of the repair. For example, now that you spent the $500 and the septic was replaced, your hot water heater has begun to leak.

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Just as is the case with home warranty in states such as Florida, residential service contracts are regulated in some states such as Texas. It is of value for consumers to understand their state's regulations for companies that offer to provide maintenance or repair services and/or coverage for related costs since some companies may be operating without proper licensing. Consumers may sometimes avoid falling prey to unlicensed companies by consulting their state's policies and other information regarding home warranty and similar services. In some cases current lists of licensed companies are available for consumers to check on the applicable state government agencies' websites. After determining if the system or appliance is covered by the contract, the company will send out a contractor from a local business. The homeowner will pay a pre determined service call fee to the contractor, who will diagnose the problem with the failed system or appliance. The contractor will get approval from the home warranty company to make the repair, depending on if the diagnosis reveals that the failure was caused by something the contract covers. If the contractor receives approval from the home warranty company, they will complete the repair. As long as the repair or replacement doesn’t cost more than a limit stated in the contract, the home warranty will pay the contractor for the rest of the bill. But with so many different types of home appliance warranty businesses out there, how can choose the right one?It can be overwhelming and time consuming to say the least. Plus, choosing the wrong one can end up costing you even more than not having any at all.