Are Home Warranties Worth It for Boise City Residents?
Home warranties are worth it for Boise City residents. Summers in Boise City can get hot, which makes it important to have a reliable air conditioner. However, this system can malfunction over time from heavy use.
Boise City has relatively mild winters, but there are still days you'll need your heating. The cost of an HVAC system replacement can range between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
Even in Boise City, over time rain can damage your roof. Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, your home warranty will connect you with service providers you can trust.
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 ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when determining the right home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and found that the average home warranty costs between $53–$62 per month. There are also service call fees that apply each time you file a claim. These fees range from $65–$125 per claim. A basic home warranty will be more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. With most plans, you can get add-on coverage options for an additional monthly cost. Consider your specific needs before purchasing a plan.
Coverage
Most home warranty companies can tailor a plan to your needs. Make a list of the systems and appliances that you use often and would like covered. If you only need coverage for select appliances or systems (such as your air conditioning), you can often find plans to fit. 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 only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. In addition, home warranties don't cover appliance components or cosmetic issues, defects, routine maintenance, or theft. Providers outline limitations and exclusions with their service contracts. We recommend reading it to understand your plan's specific terms and conditions.
Provider Reputation
Look into a provider's reputation before selecting a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites like Best Company, Google Reviews, and Trustpilot. Reading these reviews gives you an idea of how companies handle claims and customer service. Check with the Idaho Consumer Protection Division to verify a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Quality home warranty providers source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. Choose a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in Boise City
Is a home warranty required in Boise City?
What are preexisting conditions?
What is the best home warranty provider in Boise City?
Do home warranties cover 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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