Are Home Warranties Worth It for Columbus Residents?
Yes, home warranties are worth it for Columbus residents. Columbus summers can have some very hot days, which means it's important that your air conditioner is working well. However, this system can malfunction over time from heavy use.
Winters in Columbus can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we requested from home warranty companies nationwide.
Columbus' regular rain showers can also affect your home's roof. Some home warranty providers offer limited roof-leak coverage to financially assist with 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. If you don't have time to do the research yourself, your home warranty provider can ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you select the right home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and discovered that home warranties cost an average of $53–$62 per month. You also have to pay service call fees 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. Home systems coverage plans will cost more than appliance plans. Most plans give you the option of getting add-on coverage options for an additional monthly fee. Consider your specific needs before choosing a plan.
Coverage
Figure out which systems and appliances you use most often. You want your home warranty plan to cover these items. Most home warranties can be tailored to your needs, and many companies offer systems-only plans for homeowners that only need select coverage (such as for air conditioning). You can also find plans that cover only 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 cover only normal wear and tear, which excludes improper installation and preexisting conditions. Most policies also exclude appliance components or cosmetic issues, theft, routine maintenance, or defects. You can read about your provider's limitations and exclusions in your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Provider Reputation
You should also consider provider reputation. You can also browse customer reviews on sites such as Google Reviews, Best Company, and Trustpilot. Ratings and reviews can show how a company handles customer service and claims. Check with the Indiana Consumer Protection Division to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. Ask how and where it sources technicians—reputable companies should always use licensed and registered contractors. Choose a provider that mentions the names of familiar contractors. Homeowners in rural areas might prefer home warranty policies that allow you to choose your technician. 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 Columbus
Is a home warranty required in Columbus?
What are preexisting conditions?
What is the best home warranty provider in Columbus?
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 can I maximize the value of my home warranty?
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