Are Home Warranties Worth It for Cicero Residents?
Home warranties are worth it for Cicero residents. Summers in Cicero can get hot, which makes it important to have a reliable air conditioner. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Cicero also has cold winters, meaning your heating system is working constantly during the colder months. The cost of an HVAC system replacement can range between $2,500 and $8,000. Home warranties, on the other hand, come in at only $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.
Cicero's regular rain showers can also affect your home's roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Lastly, home warranties connect you with reliable service providers.
Reputable home warranty companies vet every service provider they use. If you don't have time to do the research yourself, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you select the right home warranty plan for your needs.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost roughly $53–$62 per month. There are also service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. A basic home warranty will be more affordable than a comprehensive one. Appliance plans are typically less expensive than home systems coverage plans. Most plans give you the option of getting add-on coverage options for an additional monthly fee. Consider your specific needs before committing to a plan.
Coverage
You can look for a home warranty plan that covers specific appliances and systems. Decide whether you want coverage for major systems (like heating), specific appliances, or both. Then ask your provider about its options for customized coverage. 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
Typically, home warranties don't cover improper installation or preexisting conditions. Most policies will only cover damage from normal wear and tear. Most also exclude appliance components or cosmetic issues, routine maintenance, theft, or defects. 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
Look into a provider's reputation before selecting a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites like Best Company, Trustpilot, and Google Reviews. Reading these reviews gives you an idea of 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. Ask your provider how and where it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. Choose a provider that mentions service contractors you're familiar with. Rural homeowners might prefer home warranty policies that allow customers to choose their technicians. There may not be any in-network service providers in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Cicero
Is a home warranty required in Cicero?
What are preexisting conditions?
What is Cicero's best home warranty provider?
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 do I file a claim with my home warranty provider?
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