Are Home Warranties Worth It for Westland Residents?
Home warranties are worth it for Westland residents. Summers in Westland can have some very hot days, which means it's important that your air conditioner is working well. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Westland 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 nationwide.
The regular rain in Westland can damage your roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Finally, home warranties connect you with trustworthy service providers.
Reputable home warranty companies vet each service provider they work with. 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
Consider these key factors when choosing the right 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. There are also service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. Comprehensive home warranty plans typically cost more than basic ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options increase your monthly price, so consider your specific needs before purchasing a plan.
Coverage
Determine which systems and appliances you use most frequently. Most home warranties offer customizable coverage tailored to your needs. If you only want coverage for certain systems, like your heating, most providers offer systems-only plans. The same is true if you only need 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
Generally, home warranties don't cover improper installation or preexisting conditions. Most policies only cover damage from normal wear and tear. Most will also exclude appliance components or cosmetic issues, defects, theft, or routine maintenance. You can read about your provider's exclusions and limitations in your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.
Provider Reputation
Also, consider provider reputation. You can also browse customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. Ratings and reviews can show you 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 network of service providers. Ask how and where it sources technicians—reputable providers should always use licensed and registered contractors. We recommend picking a provider that mentions contractors you're familiar with. Homeowners in rural areas might consider choosing a home warranty provider that lets customers choose their technicians. You'll want the option to source your own providers if no in-network ones are available in your area.
Frequently Asked Questions About Home Warranty in Westland
Do I need a home warranty in Westland?
What are preexisting conditions?
What is Westland's best home warranty provider?
Can I get a home warranty that covers other types of home items?
Why do home warranties have a waiting period before coverage begins?
How is a home warranty different from homeowners insurance?
How long does a home warranty typically last?
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