Are Home Warranties Worth It for Plymouth Residents?
Yes, home warranties are worth it for Plymouth residents. Plymouth can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioner may malfunction over time due to breakdowns from regular wear and tear.
Winters in Plymouth 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 costing roughly $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. Plymouth's heavy rain can also affect your home's roof.
Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair. Finally, home warranties connect you with trustworthy service providers. Reputable home warranty companies vet each service provider they work with.
If you don't have time to do the research yourself, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when choosing the right home warranty plan for you.
Cost
We requested 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. You'll also pay a service call fee of between $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 your specific needs 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 companies offer systems-only plans for those who 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 damage from normal wear and tear. They don't cover preexisting conditions or improper installation. In addition, home warranties don't cover cosmetic issues or appliance components, routine maintenance, theft, or defects. You can find your provider's limitations and exclusions within your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Provider Reputation
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. These reviews can show you 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 valid state license.
Contractor Network
Consider a home warranty company's service provider network. Your provider 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 service contractors you're familiar with. Homeowners in rural areas may consider choosing a home warranty provider that lets customers pick 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 Plymouth
Is a home warranty required in Plymouth?
What are preexisting conditions?
What is the best home warranty provider in Plymouth?
Can I get a home warranty that covers 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?
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