Are Home Warranties Worth It for West Des Moines Residents?
Yes, home warranties are worth it for West Des Moines residents. West Des Moines 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.
West Des Moines winters are very cold, which means having reliable heating is important. HVAC system replacement can cost from $2,500 to $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
The regular rain in West Des Moines can damage your home's roof. Some home warranty companies offer limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, 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
Think about these important factors when selecting your home warranty plan.
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. You also have to pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranty plans typically cost more than basic ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options raise the monthly cost, so consider your specific needs before purchasing a plan.
Most home warranties can be somewhat customized to your needs. Think about which systems and appliances you use often and want coverage for. If you only want coverage for select systems or appliances (such as your heating), you can often find plans to fit. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Typically, home warranties don't cover improper installation or preexisting conditions. Most policies only cover damage from normal wear and tear. Most will also exclude appliance components or cosmetic issues, theft, routine maintenance, or defects. Providers will outline limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand your plan's terms and conditions.
Provider reputation is another important factor to consider. You can browse customer reviews on sites such as Trustpilot, Best Company, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can provide insight into how a company handles customer service and claims. Check with the Iowa Consumer Protection Division to verify that a provider holds a license with the state.
Consider a home warranty company's service provider network. Any company you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company how and where it sources technicians. Choose a provider that mentions service contractors you're familiar with. Rural homeowners may consider home warranties that allow the customer to choose their technician. You'll want to be able to source your own provider if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in West Des Moines
Do I need a home warranty in West Des Moines?
What are preexisting conditions?
What is the best home warranty provider in West Des Moines?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How is a home warranty different from homeowners insurance?
How do I file a claim with my home warranty provider?
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