Are Home Warranties Worth It for Chillum Residents?
Yes, home warranties are worth it for Chillum residents. Summers in Chillum can have some very hot days, which means it's important that your air conditioner works well. However, this system can malfunction over time from heavy use.
Chillum has relatively mild winters, but there are still days you'll need your heating. The cost of replacing your HVAC system can range anywhere from $2,500–$8,000. A home warranty plan is comparatively cheaper, only $644–$737 a year, based on 120 quotes we requested from home warranty companies across the nation.
The regular rain in Chillum can damage your roof. Some home warranty companies offer limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, 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 determining the right home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home. From this we determined that home warranties cost an average of $53–$62 per month. You'll also pay a service call fee of between $65–$125 every time you file a 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 committing to a plan.
Coverage
Many home warranty providers offer plans for select appliances or systems. Figure out which systems and appliances you use most often before purchasing a plan. If you only want coverage for certain major systems (like air conditioning) or certain appliances, you can find a plan that meets your needs. The following 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
Usually, home warranties only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, cosmetic issues or appliance components, theft, defects, or routine maintenance are also not covered. Providers outline their exclusions and limitations in their service contracts. Read your contract thoroughly to ensure you understand your plan's terms and conditions.
Provider Reputation
Also, consider provider reputation. You can also browse customer reviews on sites like Best Company, Google Reviews, and Trustpilot. Reviews and ratings can show how a company handles claims and customer service. Check with the Maryland Consumer Protection Division to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Ask where and how it sources technicians—reputable providers should always use licensed and registered contractors. Choose a provider that mentions contractors you're familiar with. Rural homeowners may prefer home warranty policies that allow customers to choose their technicians. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Chillum
Do I need a home warranty in Chillum?
What are preexisting conditions?
What is Chillum'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 long does a home warranty typically last?
How can I maximize the value of my home warranty?
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