Are Home Warranties Worth It for Dover Residents?
Home warranties are worth it for Dover residents. Dover can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioning system can malfunction over time from heavy use.
Dover has relatively mild winters, but there are still days you'll need your heating. The cost of replacing your HVAC system can range anywhere from $2,500–$8,000. Home warranties are comparatively cheaper at only $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.
Dover's regular rain showers can also affect your home's roof. Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Finally, home warranties connect you with trusted service providers.
Reputable home warranty companies vet all their service providers. 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
Consider these important factors when choosing the right home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and discovered 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 warranty plans tend to be more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. You can often get add-on coverage for an additional monthly cost. Be sure you know what you need before purchasing a plan.
Coverage
Determine which systems and appliances you use the most. Most home warranties offer customizable coverage tailored to your needs. If you only need coverage for certain systems, such as your air conditioner, most providers offer systems-only plans. The same is true if you only want coverage for certain appliances. 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 normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover appliance components or cosmetic issues, defects, theft, or routine maintenance. Providers outline their limitations and exclusions in their service contracts. Read your contract thoroughly to make sure you understand the terms and conditions of your plan.
Provider Reputation
Look into a provider's reputation before selecting a plan. Check its Better Business Bureau rating. Also read customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. These reviews can give you an idea of how companies handle customer service and claims. Check with the Delaware Fraud and Consumer Protection Division to verify that a provider holds a valid state license.
Contractor Network
Take into account a home warranty company's network of service providers. Any provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company how and where it sources technicians. Choose a provider that mentions service contractors you're familiar with. Rural homeowners should consider going with a home warranty provider that customers choose their technician. There may be no in-network service providers available in these areas, so customers might need to source their own.
Frequently Asked Questions About Home Warranty in Dover
Do I need a home warranty in Dover?
What are preexisting conditions?
What is Dover'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 long does a home warranty typically last?
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