Are Home Warranties Worth It for Dubuque Residents?
Home warranties are valuable for Dubuque residents. Dubuque can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioning system may malfunction over time due to breakdowns from regular wear and tear.
Winters in Dubuque can be freezing, which means you rely heavily on your heating system. HVAC system replacement can cost anywhere from $2,500–$8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. The regular rain in Dubuque can damage your home's roof.
Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair. Finally, your home warranty will connect you with service providers you can trust. A reputable home warranty is a good investment because companies vet their technicians.
If you're focused on work or other priorities, your home warranty provider can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when picking the best home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost roughly $53–$62 per month. There are also service call fees each time you file a claim. These 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 committing to a plan.
Coverage
Most home warranty companies can tailor a plan to your needs. Make a list of the appliances and systems that you use often and would like covered. If you only want coverage for select appliances or systems (such as your heating), you can often find plans to fit. 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 only cover normal wear and tear, which excludes improper installation and preexisting conditions. Additionally, most policies will exclude cosmetic issues or appliance components, defects, theft, or routine maintenance. Providers outline their exclusions and limitations in their service contracts. Read your contract thoroughly to make sure you understand the terms and conditions of your plan.
Provider Reputation
Also, consider provider reputation when making a decision. You can find customer reviews on sites such as Google Reviews, Best Company, and Trustpilot or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to see 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 network of service providers. Reliable home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider where and how it sources technicians. Select a provider that mentions the names of familiar service contractors. 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 you'll need the option to source your own.
Frequently Asked Questions About Home Warranty in Dubuque
Do I need a home warranty in Dubuque?
What are preexisting conditions?
What is the best home warranty provider in Dubuque?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How long does a home warranty typically last?
How do I file a claim with my home warranty provider?
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