Are Home Warranties Worth It for West Haven Residents?
Home warranties are worth it for West Haven residents. Summers in West Haven can get hot, which makes it important for your air conditioner to work properly. However, this system can malfunction over time due to breakdowns from regular wear and tear.
West Haven 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 nationwide. The frequent rain in West Haven can damage your roof.
The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Lastly, home warranties connect you with reliable 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
These important factors can help you select the best home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home. From this we determined that the average home warranty cost is $53–$62 per month. You'll also pay a service call fee of approximately $65–$125 whenever you file a claim. Comprehensive home warranty plans typically cost more than basic ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options increase your monthly price, so consider your specific needs before purchasing a plan.
Coverage
You can often find home warranty plans that cover specific systems and appliances. Decide whether you want coverage for major systems (like heating), specific appliances, or both. Then ask your provider about its options for customized coverage. 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
Home warranties generally only cover breakdowns from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover cosmetic issues or appliance components, defects, routine maintenance, or theft. A provider will outline its limitations and exclusions in your service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.
Provider Reputation
Consider provider reputation when making a decision. You can also read real customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. Reading reviews can show you how providers handle customer service and claims. Check with the Connecticut Department of Consumer Protection to verify that a provider holds a license with the state.
Contractor Network
Consider a home warranty company's network of service providers. Be sure to ask your provider how and where it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. We recommend picking a provider that mentions service contractors you're familiar with. Rural homeowners may opt for a home warranty that allows them to choose their technician. It's important to have the option to source your own provider if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in West Haven
Is a home warranty required in West Haven?
What are preexisting conditions?
What is West Haven's best home warranty provider?
Do home warranties cover 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?
How can I maximize the value of my home warranty?
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