Are Home Warranties Worth It for Salina Residents?
Home warranties are worth it for Salina residents. Salina summers are very hot, which makes it very important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.
Winters in Salina can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
The regular rain in Salina can damage your roof. The financial burden of this will be lessened if your home warranty has roof-leak coverage. Lastly, home warranties connect you with reliable service providers.
Reputable home warranty companies vet each service provider they work with. If you're busy with work or other priorities, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you choose the best home warranty plan for your needs.
Cost
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. A basic home warranty is generally more affordable than a comprehensive one. Home systems coverage plans tend to cost more than appliance plans. Most plans offer add-on coverage options for an additional monthly cost. Consider your specific needs before purchasing a plan.
Coverage
Figure out which appliances and systems you use most frequently. Most home warranty plans offer customizable coverage tailored to your needs. If you only want coverage for select systems, such as your air conditioner, most companies offer systems-only plans. The same is true if you only want coverage for certain appliances. 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
Typically, home warranties don't cover improper installation or preexisting conditions. Most policies will only cover normal wear and tear. Most will also exclude appliance components or cosmetic issues, defects, theft, or routine maintenance. Each provider will outline its exclusions and limitations in its service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.
Provider Reputation
Also, consider a provider's reputation when making a decision. You can read customer reviews on sites such as Best Company, Trustpilot, and Google Reviews 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 Kansas Attorney General to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. The provider you choose should use licensed and registered contractors to handle 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. Residents of rural areas might prefer a home warranty that lets them choose their technician. You may need to source your own provider if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Salina
Do I need a home warranty in Salina?
What are preexisting conditions?
What is Salina's 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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