Are Home Warranties Worth It for Rock Island Residents?
Yes, home warranties are worth it for Rock Island residents. Rock Island summers can get hot, which makes it important to have a reliable air conditioner. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Rock Island winters 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 coming in at around $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. The regular rain in Rock Island can cause damage to your roof.
Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Finally, your home warranty will connect you with trustworthy service providers. Investing in a reputable home warranty company is worth it because companies vet their technicians.
When life keeps you busy, your home warranty provider can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider the following factors when selecting the best home warranty for your needs.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost approximately $53–$62 per month. You'll also pay a service call fee every time you file a claim. These fees typically 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 committing to a plan.
Coverage
Figure out which systems and appliances you use most often. Most home warranties offer customizable coverage tailored to your needs. If you only want coverage for certain systems, such as your heating, most providers offer systems-only plans. The same is true if you only need coverage for 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
Most home warranties only cover normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude appliance components or cosmetic issues, theft, defects, or routine maintenance. Providers outline their limitations and exclusions in their service contracts. Read your contract thoroughly to make sure you understand the terms and conditions of your plan.
Provider Reputation
Consider a provider's reputation before deciding on a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites like Trustpilot, Google Reviews, and Best Company. Reading these reviews gives you an idea of how companies handle claims and customer service. Check with the Illinois Attorney General to verify that a provider holds a license with the state.
Contractor Network
Take into account a home warranty company's network of service providers. Your provider should always use licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. Choose a provider that mentions the names of familiar service contractors. Rural homeowners may prefer home warranty policies that allow customers to choose their technicians. There may not be any in-network service providers in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Rock Island
Do I need a home warranty in Rock Island?
What are preexisting conditions?
What is Rock Island'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?
How can I maximize the value of my home warranty?
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