Are Home Warranties Worth It for Crystal Lake Residents?
Home warranties are worth it for Crystal Lake residents. Summers in Crystal Lake 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 Crystal Lake are very cold, meaning you rely on your heating system often. HVAC system replacement can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. The regular rain in Crystal Lake can damage your roof.
Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Finally, home warranties connect you with reliable technicians. When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs.
Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Consider the following factors to determine the best home warranty for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost approximately $53–$62 per month. You'll also pay service call fees each time 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 get add-on coverage options, but this will increase your monthly cost—consider your specific needs before selecting a plan.
Coverage
Most home warranties can be somewhat customized to your needs. Make a list of the appliances and systems that you use often and would like coverage for. 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 breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. In addition, home warranties don't cover appliance components or cosmetic issues, defects, theft, or routine maintenance. Each provider will outline its exclusions and limitations in its service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.
Provider Reputation
Also, consider a provider's reputation when choosing a plan. You can find customer reviews on sites such as Best Company, Google Reviews, and Trustpilot or look at a company's Better Business Bureau (BBB) rating. Ratings and reviews are a great way to see how providers handle customer service and claims. Check with the Illinois Attorney General to verify a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Be sure to ask your company where and how it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. Choose a provider that mentions service contractors you're familiar with. Rural homeowners should consider choosing a home warranty that lets them select their technician. There may be no in-network service providers available in these areas, so customers may need to source their own.
Frequently Asked Questions About Home Warranty in Crystal Lake
Is a home warranty required in Crystal Lake?
What are preexisting conditions?
What is the best home warranty provider in Crystal Lake?
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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