Are Home Warranties Worth It for Calumet City Residents?
Home warranties are worth it for Calumet City residents. Calumet City can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioning system may malfunction over time due to breakdowns from regular wear and tear.
Winters in Calumet City are very cold, meaning you rely on your heating system often. Replacing your HVAC system can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. The regular rain in Calumet City can damage your home's roof.
Some home warranty companies offer limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, a home warranty connects you with service providers you can trust. Investing in a reputable home warranty company is worth it because companies vet their technicians.
If you're focused on work or other priorities, 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 key factors to determine the right home warranty plan for your needs.
Cost
We received 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 every time 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. Most plans offer add-on coverage options for an additional monthly cost. Consider your specific needs before purchasing a plan.
Coverage
Many home warranty companies offer systems-only plans or plans for select appliances. Determine which appliances and systems you use the most before choosing a plan. If you only want coverage for certain major systems (such as heating) or certain appliances, you can find a plan that meets your needs. 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. They don't cover preexisting conditions or improper installation. In addition, home warranties don't cover appliance components or cosmetic issues, theft, defects, or routine maintenance. Providers will outline limitations and exclusions in their service contracts. Thoroughly read your contract to make sure you understand the terms and conditions of your plan.
Provider Reputation
Consider a company's reputation when making a decision. You can also read real customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. Reading reviews can give you a sense of how companies handle customer service and claims. Check with the Illinois Attorney General to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's service provider network. Reputable home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider where and how it sources technicians. If you can, use a provider that mentions service 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 Calumet City
Is a home warranty required in Calumet City?
What are preexisting conditions?
What is the best home warranty provider in Calumet City?
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 long does a home warranty typically last?
How can I maximize the value of my home warranty?
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