Are Home Warranties Worth It for Evanston Residents?
Yes, home warranties are worth it for Evanston residents. Evanston summers 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.
Evanston winters are very cold, which means having reliable heating is important. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we requested from home warranty companies across the nation.
The regular rain in Evanston can damage your roof. Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, home warranties connect you with trustworthy service providers.
Reputable home warranty companies vet each service provider they work with. If you're busy with work or other priorities, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when choosing the right home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and found 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. Basic home warranty plans tend to be more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. You can often get add-on coverage for an additional monthly cost. Be sure you know your specific needs before selecting a plan.
Coverage
Most home warranty companies can tailor a plan to your needs. Make a list of the systems and appliances that you use often and need coverage for. If you only want coverage for select appliances or systems (such as your heating), you can often find plans to fit. 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
Most home warranties only cover normal wear and tear. They don't cover improper installation or preexisting conditions. In addition, home warranties don't cover cosmetic issues or appliance components, defects, routine maintenance, or theft. Each provider will outline its exclusions and limitations in its service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.
Provider Reputation
Also, consider a provider's reputation when making a decision. You can read customer reviews on sites such as Best Company, Google Reviews, and Trustpilot or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to learn how providers handle customer service and claims. Check with the Illinois Attorney General to verify a provider's 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 providers should always use licensed and registered contractors. Select a provider that mentions the names of familiar contractors. Rural homeowners might prefer home warranty policies that allow customers to choose their technicians. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Evanston
Do I need a home warranty in Evanston?
What are preexisting conditions?
What is the best home warranty provider in Evanston?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How is a home warranty different from homeowners insurance?
How can I maximize the value of my home warranty?
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