Are Home Warranties Worth It for Somerville Residents?
Yes, home warranties are worth it for Somerville residents. Somerville summers can get hot, which makes it important to have a reliable air conditioner. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Winters in Somerville are very cold, which means having reliable heating is important. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we requested from home warranty companies across the nation.
Somerville'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. Lastly, 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 important factors when picking the best home warranty plan for you.
We received 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty cost is $53–$62 per month. You'll also pay a service call fee of between $65–$125 every time you file a claim. Basic home warranty plans generally cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options raise the monthly cost, so consider your specific needs before purchasing a plan.
You can often find home warranty plans that cover specific systems and appliances. Decide whether you need coverage for major systems (like heating), specific appliances, or both. Then ask your provider about its options for customized coverage. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Home warranties generally only cover breakdowns from 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 outline limitations and exclusions in their service contracts. Make sure you read yours carefully to fully understand the terms and conditions of your plan.
Provider reputation is another important factor to consider. You can find real customer reviews on sites like Trustpilot, Google Reviews, and Best Company 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 valid state license.
Take into account a home warranty company's network of service providers. Ask where and how it sources technicians—reputable companies should always use licensed and registered contractors. We recommend picking a provider that mentions the names of familiar contractors. Homeowners in rural areas may prefer home warranty policies that allow you to choose your technician. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.
Frequently Asked Questions About Home Warranty in Somerville
Do I need a home warranty in Somerville?
What are preexisting conditions?
What is Somerville's best home warranty provider?
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 is a home warranty different from homeowners insurance?
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