Are Home Warranties Worth It for Caseyville Residents?
Home warranties are worth it for Caseyville residents. Summers in Caseyville can have some very hot days, which means it's important that your air conditioner works well. However, over time this system can malfunction from heavy use.
Winters in Caseyville can be fairly mild, but there are still times when you want to have a reliable heating system. 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 requested from home warranty companies across the nation. The regular rain in Caseyville can damage your roof.
The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Lastly, home warranties connect you with reliable service providers. Reputable home warranty companies vet all their service providers.
If you're busy with work or other priorities, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when determining the right home warranty plan for you.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost approximately $53–$62 per month. Additionally, you'll pay a service call fee whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before choosing a plan.
Coverage
Figure out which systems and appliances you use most often. You want your home warranty plan to cover these items. Most plans can be tailored to your needs, and many companies offer systems-only plans for those who only want select coverage (such as for air conditioning). You can also find plans that cover only select appliances. 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
Generally, home warranties only cover breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, appliance components or cosmetic issues, defects, routine maintenance, or theft aren't covered either. Each provider outlines exclusions and limitations within its service contract. We recommend reading it to understand your protection plan's exact terms and conditions.
Provider Reputation
Consider provider reputation when making a decision. You can also read real customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. Looking at reviews can show you how companies handle customer service and claims. Check with the Illinois Attorney General to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Your provider should always use licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. Select a provider that mentions service contractors you're familiar with. Those who live in rural areas should consider a home warranty policy that lets them choose their technician. You may not have any in-network service providers in your area, so you want the option to source your own.
Frequently Asked Questions About Home Warranty in Caseyville
Do I need a home warranty in Caseyville?
What are preexisting conditions?
What is the best home warranty provider in Caseyville?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How can I maximize the value of my home warranty?
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