Are Home Warranties Worth It for Brockton Residents?
Yes, home warranties are worth it for Brockton residents. Brockton can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioning system may malfunction over time due to breakdowns from regular wear and tear.
Brockton 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. A home warranty plan is comparatively cheaper, only $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.
Brockton's heavy rain can cause damage to your roof. Some home warranty policies include 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 all their service providers.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you choose the right home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and discovered that home warranties cost an average of $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are generally more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know what you need before purchasing a plan.
Coverage
Figure out which appliances and systems you use most often. You'll want a home warranty plan that covers these items. Most home warranties can be customized to your needs, and many companies offer systems-only plans for homeowners that only want select coverage (such as for heating). You can also get a plan that only covers select appliances. 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
Most home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. Additionally, home warranties don't cover cosmetic issues or appliance components, routine maintenance, defects, or theft. 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
Carefully consider a provider's reputation before purchasing a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites such as Google Reviews, Best Company, and Trustpilot. These reviews can give you an idea of how companies handle claims and customer service. Check with the Massachusetts Office of Consumer Affairs and Business Regulation to verify a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. Be sure to ask your provider how and where it sources technicians. A reputable company should use licensed and registered contractors to handle service requests. Choose a provider that mentions service contractors you're familiar with. Those residing in rural areas should consider a home warranty policy that lets them choose their technician. In-network service providers may not be available in your area, so you'll need the option to source your own.
Frequently Asked Questions About Home Warranty in Brockton
Do I need a home warranty in Brockton?
What are preexisting conditions?
What is the best home warranty provider in Brockton?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty 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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