Are Home Warranties Worth It for Spokane Residents?
Home warranties are worth it for Spokane residents. Spokane can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioning system may malfunction over time due to breakdowns from regular wear and tear.
Spokane also has cold winters, meaning your heating system is working constantly during the colder months. The cost of an HVAC system replacement can range between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 per year, based on 120 quotes we requested from home warranty companies across the nation.
Even Spokane's irregular rain can affect your roof. Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Lastly, a home warranty connects you with service providers you can trust.
Investing in a reputable home warranty company is worth it because companies vet their technicians. If you don't have time to do the research yourself, your home warranty provider can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you select the best home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost an average of $53–$62 per month. You'll also pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans typically cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options increase your monthly price, so consider your specific needs before purchasing a plan.
Coverage
Many home warranty providers offer systems-only plans or plans for select appliances. Determine which systems and appliances you use the most before selecting a plan. If you only want coverage for certain major systems (like heating) or specific appliances, you can find a plan that meets your needs. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Ductwork
- Electrical
- Heating
- Plumbing
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Most home warranties only cover normal wear and tear, which excludes improper installation and preexisting conditions. Additionally, most policies will exclude cosmetic issues or appliance components, theft, defects, or routine maintenance. You can find your provider's limitations and exclusions in your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.
Provider Reputation
You should also consider provider reputation. You can also browse real customer reviews on sites such as Google Reviews, Best Company, and Trustpilot. Ratings and reviews can show how a company handles claims and customer service. Check with the Washington Consumer Protection Division to verify a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. Ask how and where it sources technicians—reputable providers should always use licensed and registered contractors. We recommend picking a provider that mentions the names of familiar contractors. Rural homeowners should consider going with a home warranty provider that customers choose their technician. Rural areas may not have any in-network service providers available, and customers might need to source their own.
Frequently Asked Questions About Home Warranty in Spokane
Is a home warranty required in Spokane?
What are preexisting conditions?
What is Spokane's best home warranty provider?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How long does a home warranty typically last?
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