Are Home Warranties Worth It for Twin Falls Residents?
Yes, home warranties are worth it for Twin Falls residents. Twin Falls summers can get hot, which makes it important for your air conditioner to work properly. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Winters in Twin Falls are very cold, which means having reliable heating is important. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
Even Twin Falls' irregular rain can affect your home's roof. Some home warranty providers offer limited roof-leak coverage to ease the financial burden of 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
Think about these key factors when selecting 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 roughly $53–$62 monthly. Additionally, you'll pay a service call fee every time you file a claim. These fees can range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before selecting 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 need covered. If you only need coverage for select systems or appliances (such as your heating), 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 normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude cosmetic issues or appliance components, routine maintenance, defects, or theft. Providers outline exclusions and limitations within their service contracts. We recommend reading carefully to fully understand the terms and conditions of your plan.
Provider Reputation
You should also consider a provider's reputation. You can also find real customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. Ratings and reviews can show how providers 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 network of service providers. Providers should always send 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 service contractors you're familiar with. Homeowners in rural areas may consider choosing a home warranty provider that lets customers select their technicians. You'll want the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in Twin Falls
Do I need a home warranty in Twin Falls?
What are preexisting conditions?
What is Twin Falls' best home warranty provider?
Do home warranties cover 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 do I file a claim with my home warranty provider?
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