Are Home Warranties Worth It for Des Moines Residents?
Yes, home warranties are worth it for Des Moines residents. Summers in Des Moines 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.
Des Moines 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, on the other hand, come in at only $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
The regular rain in Des Moines can cause damage to your home's roof. Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, a home warranty connects you with service providers you can trust.
A reputable home warranty is a good investment because companies vet their technicians. When life keeps you busy, your home warranty company can ensure that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when selecting your home warranty plan.
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost an average of $53–$62 monthly. Additionally, you'll pay a service call fee every time you file a claim. Service call fees typically range from $65–$125 per claim. Basic home warranty plans are generally more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know what you need before selecting a plan.
Figure out which appliances and systems you use the most. You'll want a home warranty plan that covers these items. Most home warranties can be tailored to your needs, and many providers offer systems-only plans for homeowners that only need select coverage (such as for heating). You can also get a plan that only covers select appliances. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Most home warranties only cover breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. In addition, home warranties don't cover appliance components or cosmetic issues, routine maintenance, theft, or defects. 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.
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. Looking at reviews can give you a sense of how providers handle customer service and claims. Check with the Iowa Consumer Protection Division to verify a provider's state license.
Consider a home warranty company's network of service providers. Ask your company where and how it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. We recommend picking a provider that mentions service contractors you're familiar with. Rural homeowners should consider choosing a home warranty that lets them select their technician. There may be no in-network service providers available in these areas, so customers might need to source their own.
Frequently Asked Questions About Home Warranty in Des Moines
Is a home warranty required in Des Moines?
What are preexisting conditions?
What is Des Moines' best home warranty provider?
Can I get a home warranty that covers 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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