Are Home Warranties Worth It for Fitchburg Residents?
Home warranties are worth it for Fitchburg residents. Fitchburg summers are fairly mild, but it's still important that your air conditioner is working well. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Fitchburg winters are very cold, meaning you rely on your heating system often. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. Fitchburg's heavy rain can cause damage to your home's roof.
Some home warranty providers offer limited roof-leak coverage, which can ease the financial burden of roof repair. Finally, home warranties connect you with reliable service providers. Reputable home warranty companies vet all their service providers.
If you're busy with work or other priorities, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when choosing your home warranty plan.
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. 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. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know your specific needs before choosing a plan.
Coverage
Most home warranty companies can tailor a plan to your needs. Think about which systems and appliances you use often and would like coverage for. If you only need coverage for select systems or appliances (such as your heating), you can often find plans to fit. 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, appliance components or cosmetic issues, defects, theft, or routine maintenance aren't covered either. You can read about your provider's limitations and exclusions within your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.
Provider Reputation
Consider a provider's reputation before committing to a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Best Company, Google Reviews, and Trustpilot. Reading these reviews gives you an idea of how providers handle claims and customer service. Check with the Massachusetts Office of Consumer Affairs and Business Regulation to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's service provider network. Companies should always use licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. Select a provider that mentions the names of familiar service contractors. Residents of rural areas may opt for a home warranty that allows them to choose their technician. You'll want to be able to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Fitchburg
Is a home warranty required in Fitchburg?
What are preexisting conditions?
What is the best home warranty provider in Fitchburg?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How do I file a claim with my home warranty provider?
How can I maximize the value of my home warranty?
To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.