Are Home Warranties Worth It for Collinsville Residents?
Home warranties are worth it for Collinsville residents. Summers in Collinsville can get hot, which makes it important for your air conditioner to work properly. However, this system can malfunction over time from heavy use.
Collinsville has relatively mild winters, but there are still days you'll need your heating. The cost of an HVAC system replacement can range anywhere from $2,500–$8,000. Home warranties are comparatively cheaper at only $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.
The regular rain in Collinsville can damage your roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Finally, home warranties connect you with trusted service providers.
Reputable home warranty companies vet every service provider they use. If life keeps you busy, 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
We requested 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. Additionally, you'll pay a service call fee of approximately $65–$125 each time you file a claim. A basic home warranty is more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. Most plans offer add-on coverage options for an additional monthly fee. Consider your particular needs before choosing a plan.
Coverage
You can often find home warranty plans that cover specific appliances and systems. Determine whether you need coverage for major systems (like air conditioning), specific appliances, or both. Then ask your provider about its options for customized coverage. 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 improper installation or preexisting conditions. Generally, cosmetic issues or appliance components, theft, defects, or routine maintenance aren't covered either. Providers outline limitations and exclusions with their service contracts. We recommend reading it to understand your protection plan's specific terms and conditions.
Provider Reputation
Also, consider provider reputation when choosing a plan. You can find customer reviews on sites like Google Reviews, Best Company, and Trustpilot or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to assess how providers handle claims and customer service. Check with the Illinois Attorney General to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's network of service providers. Any company you choose should use licensed and registered contractors to handle service requests; make sure to ask your company how and where it sources technicians. 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 Collinsville
Is a home warranty required in Collinsville?
What are preexisting conditions?
What is the best home warranty provider in Collinsville?
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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