Are Home Warranties Worth It for Kalamazoo Residents?
Home warranties are worth it for Kalamazoo residents. Kalamazoo can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioner can malfunction over time due to breakdowns from regular wear and tear.
Kalamazoo winters are very cold, which means having reliable heating is important. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we requested from home warranty companies nationwide.
The regular rain in Kalamazoo can damage your roof. The financial burden of this will be lessened if your home warranty has roof-leak coverage. 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 you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors to determine the right home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home. From this we determined that home warranties cost an average of $53–$62 per month. You'll also pay a service call fee of roughly $65–$125 each time you file a claim. Basic home warranty plans tend to be 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 what you need before selecting a plan.
Coverage
You can look for a home warranty plan that covers specific appliances and systems. Determine whether you need coverage for major systems (like heating), specific appliances, or both. Then ask your provider about its options for customized coverage. 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
Home warranties typically only cover normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover cosmetic issues or appliance components, defects, theft, or routine maintenance. A provider will outline its exclusions and limitations in its service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.
Provider Reputation
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. Reading reviews can give you a sense of 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
Consider a home warranty company's network of service providers. Companies should always send licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. We recommend picking a provider that mentions the names of familiar service contractors. Those residing 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 want the option to source your own.
Frequently Asked Questions About Home Warranty in Kalamazoo
Do I need a home warranty in Kalamazoo?
What are preexisting conditions?
What is Kalamazoo's best home warranty provider?
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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