Are Home Warranties Worth It for Shrewsbury Residents?
Yes, home warranties are worth it for Shrewsbury residents. Shrewsbury summers are fairly mild, but it's still important for your air conditioner to work properly. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Winters in Shrewsbury are very cold, which means having reliable heating is important. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we requested from home warranty companies nationwide.
Shrewsbury's heavy rain can cause damage to your home's roof. Some home warranty companies offer limited roof-leak coverage, which can ease the financial burden of roof repair. Finally, home warranties connect you with trustworthy service providers.
When life is keeping you busy, you want to know that a reliable technician is handling your repairs. Reputable home warranty companies vet every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when picking the best home warranty plan for you.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost roughly $53–$62 per month. You'll also pay service call fees each time you file a claim. Service call fees range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before committing to a plan.
Coverage
Figure out which appliances and systems you use the most. You want your home warranty plan to cover these items. Most home warranties can be customized to your needs, and many providers 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. 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
Most home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. In addition, home warranties don't cover appliance components or cosmetic issues, theft, routine maintenance, or defects. Each provider will outline its exclusions and limitations in its service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another key factor to consider. You can browse real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can give you insight into how a company handles 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.
Contractor Network
Consider a home warranty company's service provider network. Make sure you ask your provider how and where it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. Choose a provider that mentions service contractors you're familiar with. Residents of rural areas should consider a home warranty policy that allows the customer to choose their technician. Rural areas may not have any in-network service providers available, so customers may need to source their own.
Frequently Asked Questions About Home Warranty in Shrewsbury
Do I need a home warranty in Shrewsbury?
What are preexisting conditions?
What is the best home warranty provider in Shrewsbury?
Do home warranties cover other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How long does a home warranty typically last?
How can I maximize the value of my home warranty?
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