Are Home Warranties Worth It for Portage Residents?
Yes, home warranties are worth it for Portage residents. Portage 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.
Portage also has cold winters, meaning your heating system is working constantly during the colder months. The cost of an HVAC system replacement can range between $2,500 and $8,000. A home warranty plan is comparatively cheaper, only $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
The regular rain in Portage can damage your home's roof. Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, home warranties connect you with trusted service providers.
Reputable home warranty companies vet all their service providers. If you're busy with work or other priorities, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these important factors when selecting the right home warranty plan for you.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home. From this we determined that the average home warranty cost is $53–$62 per month. You'll also pay a service call fee of between $65–$125 every time you file a claim. Basic home warranty plans are typically more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know what you need before choosing a plan.
Coverage
Many home warranty providers offer systems-only plans or plans for select appliances. Determine which appliances and systems you use the most before choosing a plan. If you only need to cover certain major systems (like heating) or specific appliances, you can find a plan that meets your needs. 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
Most home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. Additionally, home warranties don't cover appliance components or cosmetic issues, theft, routine maintenance, or defects. A provider will outline its exclusions and limitations in its service contract. Read your contract thoroughly to fully understand the terms and conditions of your plan.
Provider Reputation
Look into a provider's reputation before choosing a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. These reviews can give you an idea of how companies handle customer service and claims. Check with the Michigan Attorney General to verify that a provider holds a valid state license.
Contractor Network
Consider a home warranty company's network of service providers. Be sure to ask your provider where and how it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. If you can, use a provider that mentions service contractors you're familiar with. Residents of rural areas might opt for a home warranty that allows them to choose their technician. You'll want to be able to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions About Home Warranty in Portage
Do I need a home warranty in Portage?
What are preexisting conditions?
What is Portage's best home warranty provider?
Do home warranties cover 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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