Are Home Warranties Worth It for Windsor Residents?
Yes, home warranties are worth it for Windsor residents. Windsor 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.
Windsor also has freezing winters, meaning your heating system is working constantly during the colder months. The cost of an HVAC system replacement can range anywhere from $2,500–$8,000. A home warranty plan is comparatively cheaper, only $644–$737 a year, based on 120 quotes we requested from home warranty companies nationwide.
Even Windsor'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're focused on work or other priorities, your home warranty provider can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when selecting the right home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and found that the average home warranty costs between $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are generally more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. 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 companies offer plans for select appliances or systems. Determine which systems and appliances you use most often before committing to a plan. If you only want coverage for 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
Generally, home warranties don't cover improper installation or preexisting conditions. Most policies will only cover normal wear and tear. Most also exclude appliance components or cosmetic issues, routine maintenance, theft, or defects. Each provider outlines exclusions and limitations within its service contract. Make sure you read it and understand your plan's exact terms and conditions.
Provider Reputation
Also, consider a provider's reputation when making a decision. You can find customer reviews on sites like Google Reviews, Trustpilot, and Best Company or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to assess 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
Take into account a home warranty company's service provider network. Quality home warranty companies source licensed and registered contractors to fulfill service requests. We suggest asking a provider how and where it sources technicians. Select a provider that mentions service contractors you're familiar with. Rural homeowners should consider a home warranty policy that allows the customer to 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 Windsor
Do I need a home warranty in Windsor?
What are preexisting conditions?
What is the best home warranty provider in Windsor?
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?
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