Are Home Warranties Worth It for Ames Residents?
Yes, home warranties are worth it for Ames residents. Ames summers can get hot, which makes it important for your air conditioner to work properly. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Winters in Ames are very cold, which means having reliable heating is important. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
The regular rain in Ames can damage your roof. Some home warranty providers offer limited roof-leak coverage, which can ease the financial burden 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 every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you choose the best home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost an average of $53–$62 per month. There are also service call fees whenever you file a claim. Service call fees 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 select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before choosing a plan.
Coverage
You can often find home warranty plans that cover specific appliances and systems. Determine 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
Typically, home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, defects, routine maintenance, or theft aren't covered either. Providers outline their exclusions and limitations in their service contracts. Thoroughly read your contract 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 like Trustpilot, Best Company, and Google Reviews. Ratings and reviews can show how a company handles claims and customer service. Check with the Iowa Consumer Protection Division 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. Ask your provider how and where it sources technicians. A reputable company should use licensed and registered contractors to handle service requests. If you can, use a provider that mentions service contractors you're familiar with. Rural homeowners 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 Ames
Is a home warranty required in Ames?
What are preexisting conditions?
What is the best home warranty provider in Ames?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How can I maximize the value of my home warranty?
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