Are Home Warranties Worth It for Bowling Green Residents?
Home warranties are worth it for Bowling Green residents. Bowling Green summers can get hot, which makes it important for your air conditioner to work properly. However, this system can malfunction over time from heavy use.
Winters in Bowling Green are fairly mild, but you still want 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 received from home warranty companies nationwide. Bowling Green's heavy rain can damage your roof.
Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, home warranties connect you with reliable service providers. Reputable home warranty companies vet every service provider they use.
If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when choosing the right home warranty plan for you.
We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost approximately $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. Basic home warranty plans typically cost less than comprehensive ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options raise the monthly cost, so consider your particular needs before purchasing a plan.
Many home warranty companies offer systems-only plans or plans for select appliances. Figure out which systems and appliances you use the most before purchasing a plan. If you only want to cover certain major systems (such as air conditioning) or specific appliances, you can find a plan that meets your needs. 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 usually only cover normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover appliance components or cosmetic issues, theft, routine maintenance, or defects. Each provider will outline its limitations and exclusions in your service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.
Also, consider a provider's reputation when choosing a plan. You can find customer reviews on sites like Trustpilot, Best Company, and Google Reviews or look at a company's Better Business Bureau (BBB) rating. Ratings and reviews are a great way to assess how providers handle customer service and claims. Check with the Kentucky Office of Consumer Protection to verify that a provider holds a valid state license.
Take into account a home warranty company's network of service providers. Your company should always send licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. Choose a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider going with a home warranty provider that customers choose their technician. Rural areas may not have any in-network service providers available, and customers might need to source their own.
Frequently Asked Questions About Home Warranty in Bowling Green
Is a home warranty required in Bowling Green?
What are preexisting conditions?
What is Bowling Green's best home warranty provider?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How long does a home warranty typically last?
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