Are Home Warranties Worth It for Westminster Residents?
Yes, home warranties are worth it for Westminster residents. Westminster summers can have some very hot days, which means it's important that your air conditioner is working well. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Winters in Westminster are very cold, which means having reliable heating is important. HVAC system replacement can cost from $2,500 to $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.
Even the infrequent rain in Westminster can damage your roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Finally, home warranties connect you with reliable technicians.
When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you select the right home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty costs between $53–$62 per month. You also have to pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before selecting a plan.
Coverage
Many home warranty providers offer plans for select appliances or systems. Figure out which systems and appliances you use the most before purchasing a plan. If you only want to cover certain major systems (like heating) or certain 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 cover only normal wear and tear, which excludes improper installation and preexisting conditions. Additionally, most policies will exclude cosmetic issues or appliance components, defects, routine maintenance, or theft. Providers outline their limitations and exclusions in their service contracts. Thoroughly read your contract to ensure you understand the terms and conditions of your plan.
Provider Reputation
Carefully consider a provider's reputation before purchasing a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Best Company, Trustpilot, and Google Reviews. Reading these reviews gives you an idea of how companies handle customer service and claims. Check with the Colorado Consumer Protection Section to verify a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Providers should always use licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. We recommend picking a provider that mentions the names of familiar service contractors. Residents of rural areas should consider choosing a home warranty that lets them select their technician. There may be no in-network service providers available in these areas, and customers might need to source their own.
Frequently Asked Questions About Home Warranty in Westminster
Do I need a home warranty in Westminster?
What are preexisting conditions?
What is the best home warranty provider in Westminster?
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 do I file a claim with my home warranty provider?
To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.