Are Home Warranties Worth It for Hagerstown Residents?
Home warranties are worth it for Hagerstown residents. Hagerstown summers can have some very hot days, which means it's important that your air conditioner is working well. However, this system can malfunction over time from heavy use.
Hagerstown has relatively mild winters, but there are still days you'll need your heating. The cost of an HVAC system replacement can range anywhere from $2,500–$8,000. Home warranties, on the other hand, come in at only $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.
Hagerstown's regular rain showers can also affect your roof. Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Lastly, home warranties connect you with trusted service providers.
Reputable home warranty companies vet each service provider they work with. If life keeps you busy, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you select the right home warranty plan for your needs.
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 approximately $65–$125 whenever you file a claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. You can often get add-on coverage for an additional monthly cost. Be sure you know what you need before purchasing a plan.
Coverage
Figure out which appliances and systems you use the most. You want your home warranty plan to cover these items. Most plans can be customized to your needs, and many providers offer systems-only plans for those who only want select coverage (such as for air conditioning). You can also get a plan that only covers select 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
Usually, home warranties only cover normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, appliance components or cosmetic issues, defects, routine maintenance, or theft are also not covered. Each provider will outline its exclusions and limitations in its service contract. Read your contract thoroughly to fully understand the terms and conditions of your plan.
Provider Reputation
Consider a company's reputation when making a decision. You can also read real customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. Customer reviews can give you a sense of 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 service provider network. Make sure you ask your company where and how it sources technicians. A reputable company should use licensed and registered contractors to handle service requests. If you can, use a provider that mentions the names of familiar service contractors. Rural homeowners 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 may need to source their own.
Frequently Asked Questions About Home Warranty in Hagerstown
Do I need a home warranty in Hagerstown?
What are preexisting conditions?
What is Hagerstown'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 do I file a claim with my home warranty provider?
How can I maximize the value of my home warranty?
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