Are Home Warranties Worth It for Watertown Town Residents?
Yes, home warranties are worth it for Watertown Town residents. Watertown Town 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.
Watertown Town also has cold winters, meaning your heating system is working constantly during the colder months. The cost of an HVAC system replacement can range between $2,500 and $8,000. Home warranties, on the other hand, come in at only $644–$737 a year, based on 120 quotes we received from home warranty companies across the nation.
The frequent rain in Watertown Town can damage your home's roof. The cost of repairs will be lower if your home warranty has roof-leak coverage. Lastly, home warranties connect you with reliable technicians.
When work and other priorities keep you busy, you want to know a trustworthy service provider 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 choosing the best home warranty plan for you.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 per month. You'll also pay a service call fee every time you file a claim. Service call fees typically range from $65–$125 per claim. Comprehensive home warranty plans typically cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as add-on coverage options will increase your monthly price.
Coverage
Many home warranty providers offer systems-only plans or plans for select appliances. Determine which systems and appliances you use most often before selecting a plan. If you only want to cover certain major systems (such as heating) or specific appliances, you can find a plan that meets your needs. 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
Generally, home warranties don't cover improper installation or preexisting conditions. Most policies only cover normal wear and tear. Most also exclude cosmetic issues or appliance components, theft, routine maintenance, or defects. Providers outline exclusions and limitations within their service contracts. Make sure you read yours carefully to fully understand the terms and conditions of your plan.
Provider Reputation
You should also consider provider reputation. You can also browse customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. Ratings and reviews can show how providers handle customer service and claims. Check with the Massachusetts Office of Consumer Affairs and Business Regulation to verify a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Providers should always send licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. Choose a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider going with a home warranty provider that customers choose their technician. There may be no in-network service providers available in these areas, and customers may need to source their own.
Frequently Asked Questions About Home Warranty in Watertown Town
Do I need a home warranty in Watertown Town?
What are preexisting conditions?
What is Watertown Town's best home warranty provider?
Do home warranties cover 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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