Are Home Warranties Worth It for Muskegon Residents?
Yes, home warranties are worth it for Muskegon residents. Muskegon summers are fairly mild, but it's still important for your air conditioner to work properly. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Muskegon also has cold winters, meaning your heating system is working constantly during the colder months. The cost of replacing your HVAC system can range between $2,500 and $8,000. A home warranty plan is comparatively cheaper, only $644–$737 a year, based on 120 quotes we requested from home warranty companies across the nation.
Muskegon's regular rain showers can also affect your home's roof. Some home warranty companies offer limited roof-leak coverage to financially assist with 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 all their service providers.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when picking the best home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost an average of $53–$62 per month. You'll also pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before committing to a plan.
Coverage
You can look for a home warranty plan that covers specific systems and appliances. Decide whether you want coverage for major systems (such as heating), specific appliances, or for both. Then ask your provider about its options for customized coverage. 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 cosmetic issues or appliance components, defects, routine maintenance, or theft. 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
Also, consider a provider's reputation. You can also browse real customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. Reviews and ratings can show how providers handle claims and customer service. 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. Be sure to ask your provider how and where it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. Choose a provider that mentions service contractors you're familiar with. Residents of rural areas may opt for a home warranty that allows them to choose their technician. It's important to have the option to source your own provider if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Muskegon
Is a home warranty required in Muskegon?
What are preexisting conditions?
What is Muskegon's best home warranty provider?
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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