Are Home Warranties Worth It for Bowie Residents?
Home warranties are worth it for Bowie residents. Summers in Bowie 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.
Winters in Bowie can be fairly mild, but there are still times when you want to have a reliable heating system. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we received from home warranty companies across the nation. Bowie's regular rain showers can also affect your roof.
Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Finally, your home warranty will connect you with service providers you can trust. A reputable home warranty is a good investment because companies vet their technicians.
When life keeps you busy, your home warranty company can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when choosing the best home warranty plan for you.
Cost
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. Additionally, you'll pay a service call fee of approximately $65–$125 each time you file a claim. Basic home warranty plans are generally more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know your specific needs before purchasing a plan.
Coverage
You can look for a home warranty plan that covers specific systems and appliances. Decide whether you need coverage for major systems (like air conditioning), specific appliances, or both. Then ask your provider about its options for customized coverage. 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
Most home warranties cover only normal wear and tear, which excludes preexisting conditions and improper installation. Additionally, most policies will exclude cosmetic issues or appliance components, defects, theft, or routine maintenance. Providers will outline limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand the terms and conditions of your plan.
Provider Reputation
You should also consider a provider's reputation. You can also read customer reviews on sites like Trustpilot, Best Company, and Google Reviews. Reviews and ratings can show you how providers handle customer service and claims. Check with the Maryland Consumer Protection Division to verify a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Quality home warranty companies source licensed and registered contractors to fulfill service requests. We suggest asking a provider how and where it sources 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, so customers might need to source their own.
Frequently Asked Questions About Home Warranty in Bowie
Do I need a home warranty in Bowie?
What are preexisting conditions?
What is Bowie'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 is a home warranty different from homeowners insurance?
How can I maximize the value of my home warranty?
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