Are Home Warranties Worth It for Midland Residents?
Home warranties are worth it for Midland residents. Midland generally has mild temperatures, but you may still use your air conditioner frequently during warmer months. Your air conditioning system may malfunction over time due to breakdowns from regular wear and tear.
Midland winters are very cold, which means having reliable heating is important. HVAC system replacement can cost from $2,500 to $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
The regular rain in Midland can cause damage to your home's roof. Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, home warranties connect you with reliable technicians.
When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when determining the right home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. You'll also pay a service call fee of approximately $65–$125 every time you file a claim. Basic home warranty plans are generally more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. You can often get add-on coverage for an additional monthly cost. Be sure you know what you need before selecting a plan.
Coverage
Figure out which appliances and systems you use the most. Most home warranty providers offer custom coverage tailored to your needs. If you only need coverage for select systems, like your heating, most providers offer systems-only plans. The same is true if you only want coverage for 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 normal wear and tear. They don't cover improper installation or preexisting conditions. In addition, home warranties don't cover cosmetic issues or appliance components, theft, routine maintenance, or defects. Providers outline exclusions and limitations with their service contracts. We recommend reading it to understand your protection plan's exact terms and conditions.
Provider Reputation
You should also consider provider reputation. You can also find customer reviews on sites like Trustpilot, Google Reviews, and Best Company. Ratings and reviews can show how providers handle customer service and claims. Check with the Michigan Attorney General to verify a provider's state license.
Contractor Network
Take into account a home warranty company's service provider network. Your provider should always use licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. Choose a provider that mentions service contractors you're familiar with. Rural homeowners may opt for a home warranty that allows them to choose their technician. You may need to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Midland
Do I need a home warranty in Midland?
What are preexisting conditions?
What is the best home warranty provider in Midland?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How can I maximize the value of my home warranty?
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