Are Home Warranties Worth It for Des Plaines Residents?
Yes, home warranties are worth it for Des Plaines residents. Summers in Des Plaines can have some very hot days, which means it's important that your air conditioner is working well. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Des Plaines also has cold winters, meaning your heating system is working constantly during the colder months. The cost of replacing your HVAC system can range between $2,500 and $8,000. Home warranties, on the other hand, come in at only $644–$737 a year, based on 120 quotes we requested from home warranty companies nationwide.
The regular rain in Des Plaines can damage your roof. The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Finally, a home warranty connects you with trustworthy service providers.
Investing in a reputable home warranty company is worth it because companies vet their technicians. If you don't have time to do the research yourself, your home warranty provider can ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you select the best home warranty plan for your needs.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and found that the average home warranty costs between $53–$62 per month. There are also service call fees that apply whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are typically more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know what you need before choosing a plan.
Coverage
Figure out which appliances and systems you use the most. You'll want a home warranty plan that covers these items. Most home warranties can be customized to your needs, and many providers offer systems-only plans for those who only want select coverage (such as for heating). You can also find plans that cover only select appliances. 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 preexisting conditions or improper installation. Most policies will only cover damage from normal wear and tear. Most will also exclude cosmetic issues or appliance components, theft, routine maintenance, or defects. Your 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
Provider reputation is another key factor to consider. You can find real customer reviews on sites like Trustpilot, Google Reviews, and Best Company or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can give you insight into how a company handles 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. Make sure to ask how and where it sources technicians—reputable companies should always use licensed and registered contractors. Select a provider that mentions the names of familiar contractors. Residents of rural areas should consider a home warranty policy that allows the customer to choose their technician. Rural areas may not have any in-network service providers available, and customers may need to source their own.
Frequently Asked Questions About Home Warranty in Des Plaines
Do I need a home warranty in Des Plaines?
What are preexisting conditions?
What is the best home warranty provider in Des Plaines?
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?
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