Are Home Warranties Worth It for Canton Residents?
Yes, home warranties are worth it for Canton residents. Canton summers can get hot, which makes it important for your air conditioner to work properly. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Canton also has cold winters, meaning your heating system is working constantly during the colder months. The cost of an HVAC system replacement can range anywhere from $2,500–$8,000. Home warranties, on the other hand, come in at only $644–$737 per year, based on 120 quotes we requested from home warranty companies nationwide.
The regular rain in Canton can damage your home's roof. The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. Finally, your home warranty will connect you with service providers you can trust.
Investing in a reputable home warranty company is worth it because companies vet their technicians. When life keeps you busy, your home warranty company can ensure that someone reliable will handle 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 and determined that the average home warranty costs between $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranty plans generally 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
Determine which systems and appliances you use most frequently. Most home warranty plans offer custom coverage tailored to your needs. If you only need coverage for select systems, such as your heating, most providers offer systems-only plans. The same is true if you only need coverage for certain 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
Usually, home warranties only cover breakdowns from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, appliance components or cosmetic issues, routine maintenance, defects, or theft are also not covered. Providers outline exclusions and limitations in their service contracts. Make sure you read yours carefully to fully understand your plan's terms and conditions.
Provider Reputation
Consider provider reputation when making a decision. You can also read real customer reviews on sites such as Google Reviews, Best Company, and Trustpilot. Reading reviews can show you how companies handle claims and customer service. Check with the Michigan Attorney General to verify that a provider holds a license with the state.
Contractor Network
Consider a home warranty company's service provider network. Be sure to ask your company where and how it sources technicians. A reputable company should use licensed and registered contractors to handle service requests. Choose a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider choosing a home warranty that lets them select their technician. Rural areas may not have any in-network service providers available, so customers might need to source their own.
Frequently Asked Questions About Home Warranty in Canton
Do I need a home warranty in Canton?
What are preexisting conditions?
What is Canton'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 long does a home warranty typically last?
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