Are Home Warranties Worth It for Bettendorf Residents?
Yes, home warranties are worth it for Bettendorf residents. Summers in Bettendorf 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.
Bettendorf also has cold winters, meaning your heating system is working constantly during the colder months. The cost of replacing your HVAC system can range anywhere from $2,500–$8,000. A home warranty plan is comparatively cheaper, only $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
The regular rain in Bettendorf can damage your roof. Some home warranty providers offer limited roof-leak protection, 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 all their service providers.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you choose the right home warranty plan 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. Additionally, you'll pay a service call fee whenever you file a claim. These fees typically range from $65–$125 per claim. Basic home warranty plans typically cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as add-on coverage options will increase your monthly price.
Coverage
You can look for a home warranty plan that covers 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. Here 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 preexisting conditions and improper installation. Additionally, most policies will exclude cosmetic issues or appliance components, defects, routine maintenance, or theft. A provider will outline its exclusions and limitations in your service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.
Provider Reputation
Also, consider a provider's reputation. You can also find customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. 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 service provider network. Reliable home warranty providers source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. We recommend picking a provider that mentions service contractors you're familiar with. Those who live in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in Bettendorf
Is a home warranty required in Bettendorf?
What are preexisting conditions?
What is Bettendorf's best home warranty provider?
Do home warranties cover 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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