Are Home Warranties Worth It for Boston Residents?
Home warranties are worth it for Boston residents. Summers in Boston can have some very hot days, which means it's important that your air conditioner works well. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Boston also has cold winters, meaning your heating system is working constantly during the colder months. 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 requested from home warranty companies across the nation.
The frequent rain in Boston can damage your home's roof. The cost of repairs will be lower if your home warranty has roof-leak coverage. Finally, home warranties connect you with reliable service providers.
Reputable home warranty companies vet each service provider they work with. If life keeps you busy, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when selecting the best home warranty for your needs.
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 per month. You'll also pay a service call fee every time you file a claim. These fees can range from $65–$125 per claim. A basic home warranty will be more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. Most plans offer add-on coverage options for an additional monthly cost. Consider your specific needs before committing to a plan.
You can look for a home warranty plan that covers specific systems and appliances. Decide whether you want coverage for major systems (such as heating), 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
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Most home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Additionally, home warranties don't cover appliance components or cosmetic issues, routine maintenance, defects, or theft. Providers outline their limitations and exclusions in their service contracts. Thoroughly read your contract to ensure you understand the terms and conditions of your plan.
Consider a provider's reputation before choosing a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites like Trustpilot, Best Company, and Google Reviews. These reviews can give you an idea of how providers handle customer service and claims. Check with the Massachusetts Office of Consumer Affairs and Business Regulation to verify that a provider holds a license with the state.
Take into account a home warranty company's service provider network. Your company should always use licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. Select a provider that mentions the names of familiar service contractors. Rural homeowners may consider choosing a home warranty that lets them select their technicians. It's important to have the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in Boston
Is a home warranty required in Boston?
What are preexisting conditions?
What is Boston'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?
To share feedback or ask a question about this article, send a note to our Reviews Team at email@example.com.