Are Home Warranties Worth It for Plainfield Residents?
Home warranties are worth it for Plainfield residents. Plainfield 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.
Plainfield also has cold winters, meaning your heating system is working constantly during the colder months. The cost of an HVAC system replacement can range anywhere from $2,500–$8,000. Home warranties, on the other hand, come in at only $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
The regular rain in Plainfield can damage your home's 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 every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when picking the best home warranty plan for you.
Cost
We pulled 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 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
Figure out which systems and appliances you use most often. You want your home warranty plan to cover these items. Most plans can be tailored to your needs, and many companies 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. 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 cosmetic issues or appliance components, routine maintenance, theft, or defects. Each provider outlines exclusions and limitations within its service contract. We recommend reading it to understand your protection plan's specific terms and conditions.
Provider Reputation
You should also consider a provider's reputation. You can also find customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. Reviews and ratings can show 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 service provider network. Make sure to ask how and where it sources technicians—reputable companies should always use licensed and registered contractors. Select a provider that mentions contractors you're familiar with. Rural homeowners 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 might need to source their own.
Frequently Asked Questions About Home Warranty in Plainfield
Is a home warranty required in Plainfield?
What are preexisting conditions?
What is Plainfield's best home warranty provider?
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 do I file a claim with my home warranty provider?
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