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However, they also eliminate the freedom to choose your own independent contractor if you want the warranty to pay for the repair or replacement. If you don't like the contractor or the work they do, you may be stuck with them. Furthermore, repairs may be more complicated with a third party the home warranty company involved in the process than a direct negotiation between a homeowner and a contractor would be. Also, the homeowner may have little or no say in the model or brand of a replacement component though the warranty contract should provide for a similar or equivalent quality replacement. Torine said he bought a warranty for his East Hanover condo in 2016 after a recommendation from a cousin. It included all appliances in the home no matter their age or origin but not every kind of repair was covered. The warranty had a $100 deductible and cost $769 a year. So when Torine's AC died on May 5, he said he wasn't too concerned. He called for service, but the customer service representative couldn't find a repair company in his area, Torine said. "The warranty claims 'access to a trusted network of more than 40,000 pre screened service professionals,'" Torine said. "But not one in North Jersey?"The days would pass and Torine would call for updates, but the many customer service reps he spoke to couldn't find a company to do the work, he said.

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For example, your home warranty service may be having trouble get the records from another warranty company. Perhaps the former homeowner had a different home warranty provider or less coverage than you, and they are having trouble getting the maintenance and repair records. It may be that they are having trouble getting confirmation of your bank statements from your financial institution. Don’t be afraid to call and politely ask what you can provide to help speed up the process. A home warranty is the best way to get the home protection that you need. It will help you to keep your real estate in good condition.