Are Home Warranties Worth It for Commerce City Residents?
Yes, home warranties are worth it for Commerce City residents. Commerce City summers can get hot, which makes it important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.
Commerce City winters are very cold, meaning you rely on your heating system often. Replacing your HVAC system 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 received from home warranty companies across the nation. Even the infrequent rain in Commerce City can damage your home's roof.
The financial burden of this will be lessened if your home warranty has roof-leak coverage. Lastly, home warranties connect you with trusted service providers. Reputable home warranty companies vet each service provider they work with.
If life keeps you busy, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Think about the following factors when selecting the best home warranty 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 whenever you file a claim. Basic home warranty plans are generally more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know what you need before choosing a plan.
Coverage
Many home warranty providers offer systems-only plans or plans for select appliances. Figure out which systems and appliances you use the most before purchasing a plan. If you only need coverage for certain major systems (like heating) or certain appliances, you can find a plan that meets your needs. The following 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 preexisting conditions and improper installation. Additionally, most policies will exclude appliance components or cosmetic issues, defects, routine maintenance, or theft. Providers outline limitations and exclusions in their service contracts. Make sure you read yours carefully to fully understand the terms and conditions of your plan.
Provider Reputation
Also, consider a provider's reputation when choosing a plan. You can read customer reviews on sites such as Google Reviews, Trustpilot, and Best Company or look at a company's rating with the Better Business Bureau (BBB). Ratings and reviews are a great way to see how providers handle claims and customer service. Check with the Colorado Consumer Protection Section to verify that a provider holds a license with the state.
Contractor Network
Consider a home warranty company's network of service providers. The company you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company where and how 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 that allows you to choose your technician. In-network service providers may not be available in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in Commerce City
Do I need a home warranty in Commerce City?
What are preexisting conditions?
What is Commerce City's best home warranty provider?
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 do I file a claim with my home warranty provider?
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