Are Home Warranties Worth It for Enfield Residents?
Yes, home warranties are worth it for Enfield residents. Enfield summers can have some very hot days, which means it's important that your air conditioner is working well. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Enfield 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, on the other hand, come in at only $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
Enfield's heavy rain can also affect your roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Finally, your home warranty will connect you with trustworthy service providers.
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 company can give you peace of mind that someone reliable will handle your issue.
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 requested 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 each time you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before choosing a plan.
Coverage
Determine the appliances and systems you use the most. Most home warranties offer custom coverage tailored to your needs. If you only want coverage for certain systems, like your heating, most providers offer systems-only plans. The same is true if you only want coverage for certain appliances. 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
Home warranties usually only cover breakdowns from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies will also not cover cosmetic issues or appliance components, theft, routine maintenance, or defects. You can find your provider's exclusions and limitations within your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another key factor to consider. You can find real customer reviews on sites like Google Reviews, Trustpilot, and Best Company or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can give you insight into how a company handles customer service and claims. Check with the Connecticut Department of Consumer Protection to verify the status of a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Reliable home warranty providers source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. If you can, use a provider that mentions the names of familiar service contractors. Those residing 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'll need the option to source your own.
Frequently Asked Questions About Home Warranty in Enfield
Do I need a home warranty in Enfield?
What are preexisting conditions?
What is the best home warranty provider in Enfield?
Can I get a home warranty that covers other types of home items?
Why do home warranties have a waiting period before coverage begins?
How do I file a claim with my home warranty provider?
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