Are Home Warranties Worth It for Caldwell Residents?
Home warranties are worth it for Caldwell residents. Caldwell summers can get hot, which makes it important to have a reliable air conditioner. However, over time this system can malfunction from heavy use.
Caldwell 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. A home warranty plan is comparatively cheaper, only $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
Even the infrequent rain in Caldwell can damage your roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Finally, home warranties connect you with trustworthy service providers.
When life is keeping you busy, you want to know that a reliable technician is handling your repairs. Reputable home warranty companies vet every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you determine the right home warranty plan for your needs.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost approximately $53–$62 a month. Additionally, you'll pay a service call fee every time you file a claim. Service call fees can range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before committing to a plan.
Coverage
Figure out which systems and appliances you use the most. You'll want a home warranty plan that covers these items. Most home warranties can be tailored to your needs, and many providers offer systems-only plans for those who only need select coverage (such as for air conditioning). You can also find plans that cover only select 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
Most home warranties only cover normal wear and tear, which excludes preexisting conditions and improper installation. Additionally, most policies will exclude cosmetic issues or appliance components, theft, routine maintenance, or defects. Providers outline exclusions and limitations in their service contracts. Make sure you read yours carefully to fully understand your plan's terms and conditions.
Provider Reputation
You should also consider a provider's reputation. You can also read real customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. Reviews and ratings can show you how providers handle claims and customer service. Check with the Idaho Consumer Protection Division to verify that a provider holds a valid state license.
Contractor Network
Take into account a home warranty company's service provider network. Your provider should always use licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. Select a provider that mentions the names of familiar service contractors. Homeowners in rural areas might prefer home warranty policies with the option to choose their technicians. In-network service providers may be unavailable in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Caldwell
Is a home warranty required in Caldwell?
What are preexisting conditions?
What is the best home warranty provider in Caldwell?
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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