Are Home Warranties Worth It for Council Bluffs Residents?
Home warranties are worth it for Council Bluffs residents. Council Bluffs 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.
Council Bluffs 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. Home warranties are comparatively cheaper at only $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
The regular rain in Council Bluffs can damage your home's roof. The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. 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 ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when picking the best home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home. From this we determined that the average home warranty cost is $53–$62 per month. You'll also pay a service call fee of roughly $65–$125 whenever you file a claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Home systems coverage plans tend to 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 purchasing a plan.
Coverage
Many home warranty providers offer plans for select appliances or systems. Determine which systems and appliances you use most often before selecting a plan. If you only want to cover certain major systems (like heating) or certain appliances, you can find a plan that meets your needs. 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
Home warranties usually only cover normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover appliance components or cosmetic issues, routine maintenance, defects, or theft. Providers outline exclusions and limitations in their service contracts. Make sure you read yours carefully to fully understand the terms and conditions of your plan.
Provider Reputation
Look into a provider's reputation before committing to a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Trustpilot, Best Company, and Google Reviews. Reading these reviews gives you an idea of how providers handle claims and customer service. Check with the Iowa Consumer Protection Division to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. Any provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company where and how it sources technicians. We recommend picking a provider that mentions the names of familiar service contractors. Those residing in rural areas should consider a home warranty that allows you to choose your technician. You may not have any in-network service providers in your area, so you want the option to source your own.
Frequently Asked Questions About Home Warranty in Council Bluffs
Is a home warranty required in Council Bluffs?
What are preexisting conditions?
What is the best home warranty provider in Council Bluffs?
Can I get a home warranty that covers 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 long does a home warranty typically last?
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