Tips for saving money on Home Maintenance Contracts
At the time we talked about how we had to consider spending on insurance , as an expense or as an investment in security. Now we are going to analyze the contracts of maintenance of the home .
Sure the service companies or professionals who have done a job at some point have offered us this service. Now, even the bank or the insurer offers it as an extra, but is it really worth hiring?
The classics: gas, light …
Years ago, this service did not usually offer companies directly, or at least not as persistently and generalized as today.
Normally, to encourage their hiring are usually tied to temporary discounts (usually a year) in the maintenance fee itself, in addition to special promotions in gas and electricity rates (either in the fixed or the amount consumed ).
Before entering the service of maintenance, it is important to know that every five years a revision of the installation by the distributor is obligatory and that every year, those that have boiler, should review it; In this case we can choose who to make it with.
The reality is that many people do not make this mandatory review, at least not every year. But one thing is the review and another is the maintenance service. There are several packs in the maintenance service. All of them have in common that cover the displacement of the technician and an annual review. The cost ranges from 5 € to more than 20 € in those packs that include the boiler and even a franchise of 300 € in pieces to spend.
It is important to know that companies do not have their own technicians. What they do is subcontract the service with plumbers next to our home, who in turn offer the same service on their own. The advantage of doing it with the company itself is that we can domicile it with the receipt and pay it in comfortable terms.
If there is a maintenance service par excellence is the one of the caldera, of which everyone remembers with the arrival of the winter. In this case, we have three options. As we said in the previous point, contract it with the gas company, with a third party, or do it with the technical service of the boiler brand itself. Many people opt for this last option because it offers better guarantees despite being the cost somewhat higher than the previous two.
A few years ago, electric utilities started to offer this service. It is very rare that we have a fault in the electrical installation, and it must be appreciated that if the light service is interrupted, even in a stay of the home, most home insurance offers a repair to remedy the service, It is important that you review your policy to avoid duplication. In that case, it does not seem to be highly recommended to hire it for the majority of users.
Air conditioning repair Complementary to the previous one, many companies offer the service of repair and maintenance of the conditioned air, that would be the summer equivalent to the service of the boilers. Although it is much less frequent that there are failures, because also its useful life is usually much inferior to the average useful life that has a boiler.
White Range Appliances
As a novelty, some companies, and even insurance offer the service of repair of our white appliances (refrigerators, washing machines, dryers, dishwashers, …).
In the case of insurance, sometimes it is offered as an extra for a few euros per year, and may be of interest to those users whose appliances have more years of use and therefore are likely to suffer a breakdown.
The “”handyman”” at home
The last contract that is being offered to individuals is a service of maintenance of “”clutter””, that is, professionals who would come to make small arrangements to our house. If we are not very handsome, or do not want to devote time to it, for a reasonable amount equal we can concentrate those little things in an intervention (a curtain, a faucet, a knob that closes badly, a blind, etc.). It is the latest fashion in insurance as a complement or even you get to bid for free.
As we see, there are many types of maintenance contracts, and in the end we are buying security. For all of them, we can say that normally if we have products with few years of life, maintenance should not be contracted while we have the warranty of the manufacturer in force, because we would be covered with it.
For the rest, it will depend on whether we prefer to pay an annual fee that offers us the peace of mind of being able to call a professional in case of incident (with the risk of spending many years paying without enjoying any service), or conversely, we prefer to search We trust the professional and only pay for the service actually used when we really need it.