Are Home Warranties Worth It for Rogers Residents?
Home warranties are worth it for Rogers residents. Rogers summers are very hot, which makes it extremely important that your air conditioner works well. However, over time this system can malfunction from heavy use.
Rogers winters can be fairly mild, but there are still times when you want to have a reliable heating system. HVAC system replacement can cost anywhere from $2,500–$8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. Rogers' heavy rain can cause damage to your roof.
Some home warranty companies offer limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, your home warranty will connect you with service providers you can trust. A reputable home warranty is a good investment because companies vet their technicians.
When life keeps you busy, 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
Think about these key factors to determine the right home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home. From this we determined that home warranties cost an average of $53–$62 per month. Additionally, you'll pay a service call fee of approximately $65–$125 every time you file a claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before selecting a plan.
Coverage
Many home warranty companies offer systems-only plans or plans for select appliances. Determine which appliances and systems you use the most before choosing a plan. If you only need to cover certain major systems (such as air conditioning) 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 appliance components or cosmetic issues, routine maintenance, theft, or defects. You can read about your provider's exclusions and limitations in your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Provider Reputation
Look into a provider's reputation before selecting a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. These reviews can give you an idea of how providers handle claims and customer service. Check with the Arkansas Consumer Protection Division to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's network of service providers. Any provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company how and where it sources technicians. If you can, use a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider a home warranty policy that lets them choose their technician. You may not have any in-network service providers in your area, so you want the option to source your own.
Frequently Asked Questions About Home Warranty in Rogers
Do I need a home warranty in Rogers?
What are preexisting conditions?
What is the best home warranty provider in Rogers?
Can I get a home warranty that covers other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How is a home warranty different from homeowners insurance?
How can I maximize the value of my home warranty?
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