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Things to Consider When Choosing Extended Warranties

One of the questions most people face when buying new items is whether or not to buy an extended warranty. In order to know the right decision to make concerning warranties, we will take you through the concept of extended warranty. When you purchase an extended warranty, you will not have to incur repair costs when the original warranty is due. It is worth noting that different names have been used for extended warranties, these include service contract, product service agreement or extended service agreement. The following are some of the reasons why consumers need to buy extended warranties for their products.

Consumers need to purchase warrantees since in the event their electronics get damaged, they will incur little or no costs in repairing them. However, when you purchase a product service agreement, don’t forget to ask the period which the product will be insured from risks. When you purchase a service contract, you will not have to worry about costs involved in repairing your item suppose it gets damaged since the insurance company will take care of the costs on your behalf.

Here are some of the products covered by extended warranties. One can buy a warranty for household appliances such as washing machines, dishwashers, microwaves and kettles, electronic appliances including televisions, computers and games consoles, as well as household furniture such as sofas, beds, and wardrobes.

Extended warranties tend to differ from one insurer to another, hence you need to know the items that are included in the policy and the exemptions. In this section, we will take you through some of the products and services which are not included in extended warranties. One of the damages not covered in extended service agreement include cosmetic damage such as damage to paintwork. In addition to cosmetic damages, extended warranty may not cover costs not directly associated with the incident being claimed.

Costs such as mechanical breakdown during the period covered by the retailer’s warranty, and delivery or installation costs are not covered in most extended warranties.

Now that you understand extended warranty, it is time to also know the factors to consider when buying the warranties. Before you decide to buy an extended warranty, it is a good idea to inquire from the insurance company if the item you want to buy is included in the list of items that can be covered by the warranty.

At times, consumers are pushed by their friends or relatives to get the warranties when they haven’t even decided on the policy, as a result, it is best to determine whether the policy is necessary or not. Getting an extended warranty while the product is still covered by the manufacturer’s warranty may not be a good idea since it is costly.

Furthermore, you need to shop around before you settle on one insurer. When you shop around, you will have options to choose from.

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