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What is Rocket Mortgage Home Warranty?
Rocket Mortgage Home Warranty is a service that provides protection for homeowners against unexpected repair costs associated with their home's systems and appliances. It offers coverage for various home systems such as heating, cooling, plumbing, electrical, and significant appliances like refrigerators, ovens, and dishwashers. The warranty is designed to give homeowners peace of mind, ensuring that they are protected from the financial burden of major repairs.
Benefits of Having a Home Warranty
1. Financial Protection: One of the main advantages of a home warranty is financial security. Instead of facing unexpected costs that can run into hundreds or thousands of dollars, homeowners pay a set fee for coverage. 2. Convenience: Home warranties streamline the process of finding qualified service providers. Homeowners can directly call the warranty company for repairs, and they handle the contractor logistics. 3. Increased Home Value: Having a home warranty can make your property more attractive to potential buyers, as it offers them additional protection during the home-buying process.
What Does Rocket Mortgage Home Warranty Cover?
Rocket Mortgage Home Warranty generally covers the following systems and appliances: 1. Plumbing and electrical systems: Coverage includes repair and replacement of internal plumbing lines, electrical wiring, and system components. 2. Major appliances: Includes kitchen appliances like refrigerators, dishwashers, ovens, and washing machines. 3. Heating and cooling systems: Coverage for central air conditioning units, heating systems, and ductwork to ensure year-round comfort.
Exclusions in Home Warranty
While home warranties cover many aspects, there are important exclusions to note: 1. Pre-existing conditions: Any issues that originated before the warranty start date are not covered. 2. Improper maintenance: If a system or appliance has not been maintained according to manufacturer specifications, it might not be covered. 3. Cosmetic damages: Home warranties typically do not cover cosmetic issues, only functional systems.
How to Purchase a Rocket Mortgage Home Warranty
To purchase a Rocket Mortgage home warranty, follow these steps: 1. Research and compare coverage options available through Rocket Mortgage compared to other providers. 2. Review your home’s current systems and appliances to ensure proper coverage selection. 3. Contact Rocket Mortgage directly or visit their website to initiate the warranty purchase process. 4. Complete necessary paperwork and payment to activate your home warranty.
Filing a Claim with Rocket Mortgage Home Warranty
If you need to file a claim: 1. Contact Rocket Mortgage warranty customer service directly to report the issue. 2. Provide necessary information including your home warranty number, details of the problem, and any relevant documentation. 3. The warranty company will then send a qualified contractor to assess and address the issue as per your warranty agreement.
Frequently Asked Questions
1. How much does a Rocket Mortgage home warranty cost? The cost of the warranty can vary based on the coverage options selected, but it typically involves an annual premium plus service fees for individual claims. 2. Is a home inspection required to get a home warranty? While not always mandatory, having a home inspection can help you better understand what to cover based on the current condition of your home's systems and appliances.