Are Home Warranties Worth It for Quincy Residents?
Home warranties are worth it for Quincy residents. Quincy summers can get hot, which makes it important to have a reliable air conditioner. However, this system can malfunction over time from heavy use.
Quincy winters are very cold, meaning you rely on your heating system often. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. The regular rain in Quincy can damage your roof.
Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, home warranties connect you with trustworthy service providers. When life is keeping you busy, you want to know that a reliable technician is handling your repairs.
Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when selecting the right home warranty plan for your needs.
Cost
We received 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 roughly $65–$125 whenever you file a claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before selecting a plan.
Coverage
You can often find home warranty plans that cover specific systems and appliances. Decide whether you need coverage for major systems (like heating), specific appliances, or both. Then ask your provider about its options for customized coverage. 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 cover only normal wear and tear, which excludes improper installation and preexisting conditions. Additionally, most policies will exclude cosmetic issues or appliance components, routine maintenance, defects, or theft. Providers outline limitations and exclusions with their service contracts. We recommend reading it to understand your protection plan's exact terms and conditions.
Provider Reputation
Also, consider provider reputation when making a decision. 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. Reviews and ratings are a great way to learn how providers handle customer service and claims. Check with the Illinois Attorney General to verify the status of a provider's 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. If you can, use a provider that mentions the names of familiar contractors. Rural homeowners should consider choosing a home warranty provider that lets customers pick their technicians. It's important to have the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in Quincy
Is a home warranty required in Quincy?
What are preexisting conditions?
What is the best home warranty provider in Quincy?
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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