Are Home Warranties Worth It for Nampa Residents?
Yes, home warranties are worth it for Nampa residents. Summers in Nampa can have some very hot days, which means it's important that your air conditioner works well. However, this system can malfunction over time from heavy use.
Nampa winters can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.
Even Nampa's irregular rain can affect your home's roof. Some home warranty companies offer limited roof-leak coverage to financially assist with repair. 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 important factors can help you determine 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 home warranties cost an average of $53–$62 per month. You'll also pay a service call fee of roughly $65–$125 whenever you file a claim. A basic home warranty is generally more affordable than a comprehensive one. Home systems coverage plans tend to cost more than appliance plans. With most plans, you can get add-on coverage options for an additional monthly fee. Consider your specific needs before committing to a plan.
Coverage
Most home warranty companies can tailor a plan to your needs. Think about which systems and appliances you use often and would like coverage for. If you only need coverage for select systems or appliances (such as your air conditioning), you can often find plans to fit. 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 damage from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies will also not cover appliance components or cosmetic issues, theft, routine maintenance, or defects. 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
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. These reviews can give you a sense of how providers handle customer service and claims. Check with the Idaho Consumer Protection Division to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's network of service providers. Be sure to ask your company where and how it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. We recommend picking a provider that mentions the names of familiar service contractors. Residents of rural areas should consider a home warranty policy that allows the customer to 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 Nampa
Is a home warranty required in Nampa?
What are preexisting conditions?
What is Nampa's best home warranty provider?
Can I get a home warranty that covers other types of home items?
Why do home warranties have a waiting period before coverage begins?
How is a home warranty different from homeowners insurance?
How long does a home warranty typically last?
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