Are Home Warranties Worth It for Westfield Residents?
Home warranties are worth it for Westfield residents. Westfield can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioner may malfunction over time due to breakdowns from regular wear and tear.
Winters in Westfield 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 coming in at around $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. Westfield's heavy rain can also affect your home's roof.
Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Finally, home warranties connect you with trustworthy service providers. Reputable home warranty companies vet every service provider they use.
If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when selecting the best home warranty for your needs.
Cost
We received 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. Additionally, you'll pay a service call fee of between $65–$125 every time you file a claim. Basic home warranty plans are typically more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Many plans have add-on coverage options, but this will increase your monthly cost, so make 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 home warranties can be tailored to your needs, and many providers offer systems-only plans for those who only need select coverage (such as for heating). You can also find plans that cover only 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. Additionally, home warranties don't cover appliance components or cosmetic issues, theft, defects, or routine maintenance. 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
Consider a provider's reputation before choosing a plan. Check its Better Business Bureau rating. Also read customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. These reviews can give you an idea of how companies 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
Take into account a home warranty company's network of service providers. Quality home warranty providers source licensed and registered contractors to fulfill service requests. We suggest asking a provider how and where it sources technicians. If you can, use a provider that mentions service contractors you're familiar with. Residents of rural areas might consider home warranties that allow the customer to choose their technician. It's important to have the option to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Westfield
Do I need a home warranty in Westfield?
What are preexisting conditions?
What is Westfield's best home warranty provider?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How do I file a claim with my home warranty provider?
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