How to Get Insurance to Help Pay for House Problems
- 1). Find home warranty companies. You can look in your local phone book or conduct a quick Internet search and find a list of home warranty companies that provide insurance for house problems. You can also call the state insurance board for the state where the home is and a representative in the office can provide you with a list of home warranty providers for the state.
- 2). Confirm the home areas covered under the home warranty. Home warranty coverage tends to include repair and replacement of some of the most common appliances and items in the home. When speaking to the home warranty provider, confirm exactly which items the warranty covers and how much the policy covers for repair costs and how much it covers if the item must be replaced. For example, many home warranties cover the hot water heater with a replacement cost that can range from $387 to $1,095.
- 3). Choose the level of coverage you want. Decide which level of coverage works best for you and submit the application to the home warranty company.
- 4). Pay for the home warranty. A home warranty company typically requires you to pay the annual fee for the home warranty upfront.
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