Are Home Warranties Worth It for Springfield Residents?
Home warranties are worth it for Springfield residents. Summers in Springfield can have some very hot days, which means it's important that your air conditioner works well. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Winters in Springfield are very cold, meaning you rely on your heating system often. Replacing your HVAC system 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 received from home warranty companies across the nation. Springfield's heavy rain can cause damage to your roof.
Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, home warranties connect you with reliable service providers. Reputable home warranty companies vet all their service providers.
If life keeps you busy, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when choosing the right home warranty plan for you.
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 monthly. Additionally, you'll pay a service call fee each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are typically 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.
Figure out which systems and appliances you use the most. Most home warranties offer custom coverage tailored to your needs. If you only want coverage for certain systems, such as your heating, most providers offer systems-only plans. The same is true if you only want coverage for certain appliances. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Most home warranties only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. Additionally, home warranties don't cover cosmetic issues or appliance components, routine maintenance, defects, or theft. Each provider outlines exclusions and limitations within its service contract. We recommend reading it to understand your protection plan's specific terms and conditions.
Also, consider provider reputation. You can also find customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. Ratings and reviews can show you how providers handle claims and customer service. Check with the Massachusetts Office of Consumer Affairs and Business Regulation to verify the status of a provider's state license.
Consider a home warranty company's service provider network. Reliable home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. We recommend picking a provider that mentions service contractors you're familiar with. Residents of rural areas may consider home warranties that allow the customer to choose their technician. You may need to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Springfield
Do I need a home warranty in Springfield?
What are preexisting conditions?
What is the best home warranty provider in Springfield?
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 can I maximize the value of my home warranty?
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