Are Home Warranties Worth It for Overland Park Residents?
Home warranties are worth it for Overland Park residents. Overland Park summers can have some very hot days, which means it's important that your air conditioner works well. However, over time this system can malfunction from heavy use.
Overland Park has relatively mild winters, but there are still days you'll need your heating. The cost of an HVAC system replacement can range between $2,500 and $8,000. A home warranty plan is comparatively cheaper, only $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
Overland Park's regular rain showers can also affect your roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Lastly, home warranties connect you with reliable technicians.
When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when choosing the right home warranty plan for you.
We requested 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'll also pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before selecting a plan.
Determine the appliances and systems you use the most. Most home warranties offer customizable coverage tailored to your needs. If you only need coverage for select systems, like your air conditioner, most providers offer systems-only plans. The same is true if you only want coverage for select appliances. The following 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. Additionally, home warranties don't cover appliance components or cosmetic issues, routine maintenance, theft, or defects. Each 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.
Look into a provider's reputation before deciding on a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Best Company, Google Reviews, and Trustpilot. Reading these reviews gives you an idea of how companies handle claims and customer service. Check with the Kansas Attorney General to verify a provider's state license.
Consider a home warranty company's service provider network. Companies should always use licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. We recommend picking a provider that mentions the names of familiar service contractors. Homeowners in rural areas 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 Overland Park
Is a home warranty required in Overland Park?
What are preexisting conditions?
What is Overland Park'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 can I maximize the value of my home warranty?
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