Are Home Warranties Worth It for Natick Residents?
Yes, home warranties are worth it for Natick residents. Natick summers can get hot, which makes it important for your air conditioner to work properly. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Winters in Natick are very cold, meaning you rely on your heating system often. HVAC system replacement can cost anywhere from $2,500–$8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies across the nation. The frequent rain in Natick can damage your roof.
The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Finally, your home warranty will connect you with trustworthy service providers. Investing in a reputable home warranty company is worth it because companies vet their technicians.
If you're focused on work or other priorities, your home warranty company can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when selecting your home warranty plan.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home. From this we determined that the average home warranty cost is $53–$62 per month. Additionally, you'll pay a service call fee of between $65–$125 each time you file a claim. Basic home warranty plans are generally more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know what you need before selecting a plan.
Coverage
You can look for a home warranty plan that covers specific appliances and systems. Decide whether you need coverage for major systems (like heating), specific appliances, or for both. Then ask your provider what its options are for customized coverage. 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
Home warranties usually only cover normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover cosmetic issues or appliance components, theft, defects, or routine maintenance. Providers will outline exclusions and limitations in their service contracts. Read your contract thoroughly to make sure you understand the terms and conditions of your plan.
Provider Reputation
Consider a provider's reputation before selecting a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. 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
Take into account a home warranty company's service provider network. Ask where and how it sources technicians—reputable companies should always use licensed and registered contractors. Select a provider that mentions the names of familiar contractors. Homeowners in rural areas might prefer home warranty policies with the option to choose their technicians. There may not be any in-network service providers in these areas, so you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Natick
Is a home warranty required in Natick?
What are preexisting conditions?
What is the best home warranty provider in Natick?
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?
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