Are Home Warranties Worth It for Idaho Falls Residents?
Home warranties are worth it for Idaho Falls residents. Idaho Falls generally has mild temperatures, but you may still use your air conditioner frequently during warmer months. Your air conditioner may malfunction over time due to breakdowns from regular wear and tear.
Idaho Falls winters can be freezing, which means you rely heavily on your heating system. HVAC system replacement 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. Even in Idaho Falls, over time rain can cause damage to your home's roof.
Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Finally, 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 provider can give you peace of mind that someone reliable will handle your issue.
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
We requested 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. Additionally, you'll pay a service call fee of between $65–$125 each time you file a claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Appliance plans are typically less expensive than home systems coverage plans. With most plans, you can get add-on coverage options for an additional monthly fee. Consider your specific needs before purchasing a plan.
Coverage
Figure out which appliances and systems you use most often. You want your home warranty plan to cover these items. Most home warranties can be customized to your needs, and many companies offer systems-only plans for homeowners that only want select coverage (such as for heating). You can also get a plan that only covers 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
Home warranties typically only cover normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover cosmetic issues or appliance components, routine maintenance, defects, or theft. Providers outline exclusions and limitations in their service contracts. Make sure you read yours carefully to fully understand the terms and conditions of your plan.
Provider Reputation
Provider reputation is another key factor to consider. You can read real customer reviews on sites like Google Reviews, Best Company, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can provide insight into how a company handles 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. Ask where and how it sources technicians—reputable providers should always use licensed and registered contractors. We recommend picking a provider that mentions contractors you're familiar with. Those who live 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 you'll need the option to source your own.
Frequently Asked Questions About Home Warranty in Idaho Falls
Do I need a home warranty in Idaho Falls?
What are preexisting conditions?
What is the best home warranty provider in Idaho Falls?
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?
How do I file a claim with my home warranty provider?
To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.