Are Home Warranties Worth It for Topeka Residents?
Home warranties are worth it for Topeka residents. Topeka can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioning system can malfunction over time from heavy use.
Winters in Topeka can be fairly mild, but there are still times when you want to have a reliable 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 requested from home warranty companies across the nation. The regular rain in Topeka can damage your home's roof.
Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, your home warranty will connect you with trustworthy service providers. Investing in a reputable home warranty company is worth it because companies vet their technicians.
If you don't have time to do the research yourself, your home warranty company can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you determine the best home warranty plan for your needs.
We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. You'll also pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans typically cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as getting add-on coverage options will raise the monthly price.
You can look for a home warranty plan that covers specific systems and appliances. Decide whether you want coverage for major systems (like air conditioning), specific appliances, or for both. Then ask your provider about its options for customized coverage. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Home warranties typically only cover damage from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies will also not cover appliance components or cosmetic issues, theft, defects, or routine maintenance. You can find your provider's exclusions and limitations in your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Consider a provider's reputation before selecting a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Google Reviews, Best Company, and Trustpilot. These reviews can give you an idea of how providers handle customer service and claims. Check with the Kansas Attorney General to verify that a provider holds a license with the state.
Consider a home warranty company's service provider network. Any provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company how and where it sources technicians. We recommend picking a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider a home warranty policy that lets them choose their technician. In-network service providers may not be available in your area, so it's important to have the option to source your own.
Frequently Asked Questions About Home Warranty in Topeka
Do I need a home warranty in Topeka?
What are preexisting conditions?
What is the best home warranty provider in Topeka?
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 do I file a claim with my home warranty provider?
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