Are Home Warranties Worth It for Flint Residents?
Home warranties are worth it for Flint residents. Flint can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioning system can malfunction over time due to breakdowns from regular wear and tear.
Flint 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. A home warranty plan is comparatively cheaper, only $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.
The regular rain in Flint can damage your home's roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Lastly, home warranties connect you with reliable service providers.
Reputable home warranty companies vet each service provider they work with. If you're busy with work or other priorities, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when picking the right home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and discovered 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. Basic home warranty plans generally cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options increase your monthly price, so consider your particular needs before purchasing a plan.
Coverage
Figure out which systems and appliances you use the most. You'll want a home warranty plan that covers these items. Most home warranties can be customized to your needs, and many providers offer systems-only plans for homeowners that only want select coverage (such as for heating). You can also find plans that cover only select appliances. Here 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 cosmetic issues or appliance components, theft, routine maintenance, or defects. Providers outline their limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand the terms and conditions of your plan.
Provider Reputation
Also, consider a provider's reputation when choosing a plan. You can find customer reviews on sites such as Best Company, Google Reviews, and Trustpilot or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to learn how providers handle customer service and claims. Check with the Michigan Attorney General to verify that a provider holds a license with the state.
Contractor Network
Take into account a home warranty company's network of service providers. Any provider you choose should use licensed and registered contractors to handle service requests; make sure to ask your company how and where it sources technicians. We recommend picking a provider that mentions the names of familiar service contractors. Those who live in rural areas should consider a home warranty policy that lets them choose their technician. In-network service providers may not be available in your area, so you'll need the option to source your own.
Frequently Asked Questions About Home Warranty in Flint
Is a home warranty required in Flint?
What are preexisting conditions?
What is the best home warranty provider in Flint?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How is a home warranty different from homeowners insurance?
How long does a home warranty typically last?
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