Are Home Warranties Worth It for Romeoville Residents?
Home warranties are worth it for Romeoville residents. Romeoville 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.
Romeoville 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 annually, based on 120 quotes we requested from home warranty companies nationwide.
The regular rain in Romeoville can damage your home's roof. Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, home warranties connect you with trusted service providers.
Reputable home warranty companies vet all their service providers. If you don't have time to do the research yourself, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors to determine 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 monthly. You'll also pay a service call fee whenever you file a claim. These fees can range from $65–$125 per claim. A basic home warranty is generally more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. With most plans, you can get add-on coverage options for an additional monthly cost. Consider your particular needs before purchasing a plan.
Coverage
Figure out which systems and appliances you use the most. Most home warranty providers offer custom coverage tailored to your needs. If you only need coverage for select systems, like your heating, most companies 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
Generally, home warranties don't cover preexisting conditions or improper installation. Most policies will only cover damage from normal wear and tear. Most also exclude cosmetic issues or appliance components, defects, routine maintenance, or theft. A provider will outline its limitations and exclusions in its service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.
Provider Reputation
Consider a provider's reputation before selecting a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Trustpilot, Google Reviews, and Best Company. These reviews can give you an idea of how companies handle customer service and claims. 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 you ask your company how and where it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. We recommend picking a provider that mentions service contractors you're familiar with. Homeowners in rural areas may consider choosing a home warranty that lets them select their technicians. It's good to have the option to source your own providers if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Romeoville
Do I need a home warranty in Romeoville?
What are preexisting conditions?
What is Romeoville's best home warranty provider?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How is a home warranty different from homeowners insurance?
How do I file a claim with my home warranty provider?
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