Are Home Warranties Worth It for Lansing Residents?
Yes, home warranties are worth it for Lansing residents. Lansing summers can have some very hot days, which means it's important that your air conditioner works well. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Winters in Lansing are very cold, meaning you rely on your heating system often. HVAC system replacement can cost anywhere from $2,500–$8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. The regular rain in Lansing can damage your roof.
The cost of repairs will be lower 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 provider can ensure that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Think about the following factors to determine the best home warranty 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. Additionally, you'll pay a service call fee of roughly $65–$125 each time you file a claim. A basic home warranty will be more affordable than a comprehensive one. Appliance plans are typically less expensive than home systems coverage plans. Most plans give you the option of getting add-on coverage options for an additional monthly fee. Consider your particular needs before committing to a plan.
Coverage
Determine which systems and appliances you use most often. Most home warranty providers offer custom coverage tailored to your needs. If you only need coverage for select systems, such as your heating, most companies offer systems-only plans. The same is true if you only want coverage for certain 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 normal wear and tear, which excludes improper installation and preexisting conditions. Most policies also exclude appliance components or cosmetic issues, theft, defects, or routine maintenance. Providers outline exclusions and limitations in 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 making a commitment. You can also read real customer reviews on sites such as Google Reviews, Best Company, and Trustpilot. Customer reviews can give you a sense of how providers handle claims and customer service. Check with the Michigan Attorney General to verify a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. Reliable 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. Rural homeowners 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 may need to source their own.
Frequently Asked Questions About Home Warranty in Lansing
Do I need a home warranty in Lansing?
What are preexisting conditions?
What is the best home warranty provider in Lansing?
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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