Are Home Warranties Worth It for Pontiac Residents?
Home warranties are worth it for Pontiac residents. Pontiac summers can get hot, which makes it important to have a reliable air conditioner. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Pontiac 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. Home warranties, on the other hand, come in at only $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
Pontiac's regular rain showers can also affect your roof. Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Lastly, your home warranty will connect you with trustworthy service providers.
A reputable home warranty is a good investment because companies vet their technicians. When life keeps you busy, your home warranty provider can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you choose the best home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty cost is $53–$62 per month. Additionally, you'll pay a service call fee of approximately $65–$125 whenever you file a claim. Basic home warranty plans are generally more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. You can often get add-on coverage for an additional monthly cost. Be sure you know your specific needs before purchasing a plan.
Coverage
Figure out which appliances and systems you use the most. You'll want a home warranty plan that covers these items. Most home warranties can be tailored 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. 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
Typically, home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, appliance components or cosmetic issues, theft, routine maintenance, or defects are also not covered. Providers outline exclusions and limitations within their service contracts. We recommend reading carefully to fully understand the terms and conditions of your plan.
Provider Reputation
Also, consider provider reputation when making a decision. You can read customer reviews on sites like 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 see 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. Be sure to ask your provider where and how it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. Select a provider that mentions the names of familiar service contractors. Residents of rural areas may consider choosing a home warranty that lets them choose their technicians. It's good to have the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions About Home Warranty in Pontiac
Is a home warranty required in Pontiac?
What are preexisting conditions?
What is Pontiac'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 is a home warranty different from homeowners insurance?
How long does a home warranty typically last?
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