Are Home Warranties Worth It for Cottage Grove Residents?
Yes, home warranties are worth it for Cottage Grove residents. Summers in Cottage Grove are fairly mild, but it's still important that your air conditioner works well. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Cottage Grove also has freezing 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. Home warranties, on the other hand, come in at only $644–$737 a year, based on 120 quotes we received from home warranty companies across the nation.
The regular rain in Cottage Grove can damage your roof. Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. Finally, home warranties connect you with reliable 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
These key factors can help you determine the right home warranty plan for your needs.
Cost
We pulled 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 that apply each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are generally more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know what you need before purchasing a plan.
Coverage
Determine the appliances and systems you use most often. Most home warranties offer customizable coverage tailored to your needs. If you only want coverage for select systems, such as your heating, most companies offer systems-only plans. The same is true if you only need coverage for certain 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
Most home warranties cover only normal wear and tear, which excludes preexisting conditions and improper installation. Additionally, most policies will exclude appliance components or cosmetic issues, routine maintenance, theft, or defects. Your provider will outline its limitations and exclusions in your service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.
Provider Reputation
Consider a company's reputation when making a decision. You can also read real customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. Reading reviews can give you a sense of how providers handle claims and customer service. Check with the Minnesota 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. Quality home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. We recommend picking a provider that mentions service contractors you're familiar with. Residents of rural areas might prefer a home warranty that lets them 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 Cottage Grove
Is a home warranty required in Cottage Grove?
What are preexisting conditions?
What is Cottage Grove'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 do I file a claim with my home warranty provider?
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