When your 20-year-old refrigerator springs a leak, what do you do? Your first instinct may be to decide between a costly repair and an even costlier replacement.But if you have a home warranty policy, a repair could be free.Bankrate can help you find the lowest available mortgage rate.Home warranty policies are a perk of many home purchases. They cover repairs on specific home elements, such as built-in appliances, heating and air conditioning systems, and plumbing."A home warranty contract promises to keep working items working for a certain time period, usually one year," says Carl Knighten, CEO of HMS Tri-Region, a 30-year-old home warranty company based in Fairfax, Va.Learn the detailsTwo types of home warranties are available: The cost of the warranty is included in the price of the home. Builder warranty policies typically cover up to 10 years of structural defects; one year of coverage on items such as stucco, drywall and paint; and two years of coverage on HVAC, plumbing and electrical systems.

Appliances are typically covered for about six months. Companies also sell policies to purchasers of existing homes. In most cases, a home seller or real estate agent pays for these policies -- which typically cost a few hundred dollars -- as part of the sale of the home. how to size ac unit for a roomThese policies usually cover one year of repairs on various appliances in the home, along with its furnace, air conditioning and plumbing.best setting for ac unitMany home warranty policies have a deductible of around $100 or the cost of a repair, whichever is less. room heat and air conditioner unitsThe deductible applies to each repair that occurs.Home warranty policies also are available directly to homeowners and homebuyers, who may purchase them in certain circumstances -- such as after buying a foreclosure, Knighten says."

Banks do not typically pay for a home warranty on a foreclosure or short sale, so homebuyers can purchase one for these homes if they wish," he says.However, Knighten says that less than 1 percent of his business comes directly from homeowners. 30 year fixed refi 15 year fixed refi 10 year fixed refi Net worth of the Clinton, Trump kids The 5 most expensive prescription drugsHomes of Donald Trump and Hillary Clinton7 things that could offend homebuyersGet the 411 on VA loans Best states to retire if you're tired of politicsNet worth of 9 political commentatorsThe 6 most dependable SUVs11 celebs scammed by Bernie Madoff7 warning signs that a flip is a flop Mortgage rates for Friday, September 30 If you're purchasing or refinancing, it's a great time to lock in a rate.For more than 30 years, our customers have called Howard Air one of the highest-rated air conditioning companies in Phoenix.We have earned an A+ BBB Rating by consistently operating in an honest, transparent, and responsible manner.

We know how cool the winter months get in Arizona and we are quick to respond so that our customers can get their cooling and heating system back in working order and back to comfortable temperatures — without going broke in the process. Finding a professional air conditioner repair company in Phoenix can mean the difference between a happy or miserable fall. Our job is to maximize your AC efficiency while minimizing your utility bill. Call us today to find out why so many call us one of the best air conditioning companies in Phoenix. For the best AC Repair in Phoenix, think Howard Air! Read what our customers are saying!       How was your Howard Air experience? Howard Air Conditioning Repair in Phoenix, Arizona specializes in customer service and giving you cool air. For more than 30 years, Howard Air has been one of the highest-rated air conditioning companies in Phoenix. In those three decades, we have dedicated ourselves to treating our customers with respect and operating our business with honesty and integrity.

Finding yourself in need of AC Repair in Phoenix, can be an emergency situation. Call us today and we’ll give your cooling and heating unit a thorough inspection and a speedy solution to restore your home to comfortable temperatures. In most cases, a simple AC unit repair in Phoenix can be done quickly and affordable. If it comes time to replace your AC unit, we will help you to understand all of your options so that you can choose the best air conditioning unit for your home in Phoenix.We respect the feedback from our customers and always take what we’re told and apply it to building a strong air conditioning company in Arizona. Our promise is to provide quality work in every application- whether it is residential, commercial, sales, service, installation, indoor air quality, or new construction. For the best air conditioner repair in Phoenix, think Howard Air! Lennox: Lennox AC units fall under our area of expertise. We have been servicing Lennox Air Conditioners for years and we know them inside and out.

If you’re in need of Lennox AC unit repair, contact us today and we’ll get your home or office back in working condition in no time.York: Repairing York Air Conditioners in Phoenix is not a problem for us. For the intense Arizona summers, a York air conditioning unit can be a great choice. If you’re in need of a repair, a check-up or an installation, call us today and we’ll help you be surrounded by cold air all summer long!Goodman: Is your Goodman Air Conditioning Unit not blowing cold air or in need of a tune-up? We are qualified to service Goodman units and can run a full diagnosis and consult you on all your options when it comes to Goodman Air Conditioner Repair in Phoenix. Choose the best Goodman AC Company in Phoenix Arizona.Rheem: We are the premier Rheem air conditioning repair company in Phoenix and have been for years. If you own a Rheem AC unit and are in need of repair or an estimate, contact Howard Air today for any service, installation or repair needs.Bryant: Our highly-trained technicians are experts at repairing Bryant Air Conditioning Systems.